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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 | $35,686 | $50,947-30.0% | $74,551-52.1% | $64,173-44.4% |
| Participation rate | 59.4% | 61.1%-1.7pp | 69.1%-9.8pp | 69.6%-10.2pp |
| Annual return | -4.56% | -1.85%-2.7pp | 32.53%-37.1pp | 7.63%-12.2pp |
| Employer contribution / active EE | $763 | $1,115-31.6% | $1,961-61.1% | $2,381-68.0% |
| Participant deferral / active EE | $2,262 | $2,302-1.7% | $3,108-27.2% | $3,470-34.8% |
| Admin fee / account holder | $2,458 | $4,221-41.8% | $5,059-51.4% | $4,887-49.7% |