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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 | $40,474 | $50,958-20.6% | $74,552-45.7% | $64,181-36.9% |
| Participation rate | 56.8% | 61.1%-4.3pp | 69.1%-12.4pp | 69.6%-12.8pp |
| Annual return | -7.23% | -1.86%-5.4pp | 32.53%-39.8pp | 7.63%-14.9pp |
| Employer contribution / active EE | $1,171 | $1,115+5.0% | $1,961-40.3% | $2,381-50.8% |
| Participant deferral / active EE | $2,318 | $2,301+0.7% | $3,108-25.4% | $3,470-33.2% |
| Admin fee / account holder | $4,784 | $4,223+13.3% | $5,060-5.4% | $4,887-2.1% |