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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $35,219 | $53,546-34.2% | $69,884-49.6% | $68,486-48.6% |
| Participation rate | 42.6% | 64.5%-21.9pp | 70.5%-27.9pp | 67.9%-25.3pp |
| Annual return | -18.87% | -13.87%-5.0pp | 190.81%-209.7pp | -7.85%-11.0pp |
| Employer contribution / active EE | $1,434 | $2,019-29.0% | $2,560-44.0% | $2,597-44.8% |
| Participant deferral / active EE | $2,226 | $2,957-24.7% | $3,848-42.1% | $4,028-44.7% |
| Admin fee / account holder | $1,435 | $4,693-69.4% | $6,266-77.1% | $5,404-73.4% |