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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 | $39,935 | $73,839-45.9% | $143,788-72.2% | $68,495-41.7% |
| Participation rate | 61.9% | 66.7%-4.8pp | 80.3%-18.4pp | 67.9%-6.0pp |
| Annual return | 2.66% | 1.01%+1.6pp | -0.03%+2.7pp | -7.84%+10.5pp |
| Employer contribution / active EE | $1,317 | $3,184-58.6% | $4,952-73.4% | $2,596-49.3% |
| Participant deferral / active EE | $2,752 | $3,384-18.7% | $5,638-51.2% | $4,028-31.7% |
| Admin fee / account holder | $4,019 | $5,755-30.2% | $14,675-72.6% | $5,403-25.6% |