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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 | $26,411 | $45,872-42.4% | $77,100-65.7% | $68,490-61.4% |
| Participation rate | 35.9% | 55.9%-20.0pp | 67.9%-32.0pp | 67.9%-32.0pp |
| Annual return | -17.00% | 1.73%-18.7pp | 42.35%-59.4pp | -7.85%-9.1pp |
| Employer contribution / active EE | $1,762 | $1,650+6.8% | $2,815-37.4% | $2,597-32.2% |
| Participant deferral / active EE | $4,407 | $2,963+48.7% | $4,430-0.5% | $4,028+9.4% |
| Admin fee / account holder | $835 | $3,041-72.5% | $5,443-84.7% | $5,403-84.5% |