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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 | $39,902 | $62,583-36.2% | $76,767-48.0% | $64,173-37.8% |
| Participation rate | 56.1% | 72.8%-16.7pp | 77.0%-20.9pp | 69.6%-13.5pp |
| Annual return | -6.58% | -1.95%-4.6pp | 2.43%-9.0pp | 7.63%-14.2pp |
| Employer contribution / active EE | $989 | $1,832-46.0% | $2,485-60.2% | $2,381-58.5% |
| Participant deferral / active EE | $1,868 | $3,145-40.6% | $3,852-51.5% | $3,470-46.2% |
| Admin fee / account holder | $7,039 | $4,667+50.8% | $6,675+5.5% | $4,887+44.0% |