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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 | $36,344 | $112,300-67.6% | $90,223-59.7% | $125,389-71.0% |
| Participation rate | 64.7% | 82.9%-18.2pp | 79.0%-14.3pp | 83.2%-18.5pp |
| Annual return | 0.24% | -0.57%+0.8pp | 1.31%-1.1pp | 282.24%-282.0pp |
| Employer contribution / active EE | $2,614 | $5,181-49.5% | $4,378-40.3% | $4,866-46.3% |
| Participant deferral / active EE | $6,621 | $6,733-1.7% | $5,792+14.3% | $5,352+23.7% |
| Admin fee / account holder | $11,313 | $10,990+2.9% | $7,406+52.8% | $9,541+18.6% |