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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 | $33,959 | $64,729-47.5% | $112,263-69.8% | $68,490-50.4% |
| Participation rate | 53.1% | 67.2%-14.0pp | 75.1%-21.9pp | 67.9%-14.8pp |
| Annual return | -15.45% | -11.40%-4.1pp | 27.49%-42.9pp | -7.85%-7.6pp |
| Employer contribution / active EE | $1,838 | $2,746-33.1% | $3,636-49.5% | $2,597-29.2% |
| Participant deferral / active EE | $2,854 | $3,566-19.9% | $4,729-39.6% | $4,028-29.1% |
| Admin fee / account holder | $4,315 | $5,222-17.4% | $6,410-32.7% | $5,403-20.1% |