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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 | $32,922 | $62,589-47.4% | $76,768-57.1% | $64,173-48.7% |
| Participation rate | 60.0% | 72.8%-12.8pp | 77.0%-17.0pp | 69.6%-9.6pp |
| Annual return | -5.74% | -1.95%-3.8pp | 2.43%-8.2pp | 7.63%-13.4pp |
| Employer contribution / active EE | $924 | $1,832-49.5% | $2,485-62.8% | $2,381-61.2% |
| Participant deferral / active EE | $2,225 | $3,145-29.3% | $3,852-42.2% | $3,470-35.9% |
| Admin fee / account holder | $2,516 | $4,667-46.1% | $6,675-62.3% | $4,887-48.5% |