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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 | $67,686 | $87,546-22.7% | $75,784-10.7% | $125,389-46.0% |
| Participation rate | 44.4% | 80.2%-35.7pp | 75.8%-31.4pp | 83.2%-38.7pp |
| Annual return | -0.81% | 13.49%-14.3pp | 9.68%-10.5pp | 282.24%-283.1pp |
| Employer contribution / active EE | $1,231 | $3,930-68.7% | $3,323-63.0% | $4,866-74.7% |
| Participant deferral / active EE | $3,577 | $4,230-15.4% | $3,652-2.0% | $5,352-33.2% |
| Admin fee / account holder | $959 | $6,503-85.3% | $5,300-81.9% | $9,541-90.0% |