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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 | $35,919 | $50,947-29.5% | $74,551-51.8% | $64,173-44.0% |
| Participation rate | 69.9% | 61.1%+8.8pp | 69.1%+0.7pp | 69.6%+0.3pp |
| Annual return | -3.34% | -1.85%-1.5pp | 32.53%-35.9pp | 7.63%-11.0pp |
| Employer contribution / active EE | $1,072 | $1,115-3.9% | $1,961-45.4% | $2,381-55.0% |
| Participant deferral / active EE | $1,832 | $2,302-20.4% | $3,108-41.0% | $3,470-47.2% |
| Admin fee / account holder | $3,627 | $4,221-14.1% | $5,059-28.3% | $4,887-25.8% |