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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 | $35,859 | $61,660-41.8% | $80,022-55.2% | $64,173-44.1% |
| Participation rate | 69.0% | 71.7%-2.6pp | 75.8%-6.8pp | 69.6%-0.5pp |
| Annual return | -5.66% | -0.33%-5.3pp | 11.22%-16.9pp | 7.63%-13.3pp |
| Employer contribution / active EE | $817 | $1,810-54.9% | $2,468-66.9% | $2,381-65.7% |
| Participant deferral / active EE | $1,913 | $2,968-35.5% | $3,686-48.1% | $3,470-44.9% |
| Admin fee / account holder | $17,868 | $5,417+229.8% | $6,521+174.0% | $4,887+265.6% |