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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 | $42,543 | $43,730-2.7% | $121,220-64.9% | $64,173-33.7% |
| Participation rate | 58.1% | 58.3%-0.3pp | 71.8%-13.7pp | 69.6%-11.5pp |
| Annual return | -6.55% | 68.94%-75.5pp | 16.94%-23.5pp | 7.63%-14.2pp |
| Employer contribution / active EE | $832 | $1,297-35.8% | $4,023-79.3% | $2,381-65.0% |
| Participant deferral / active EE | $904 | $2,281-60.4% | $3,345-73.0% | $3,470-73.9% |
| Admin fee / account holder | $1,553 | $3,502-55.7% | $5,021-69.1% | $4,887-68.2% |