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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 | $38,396 | $42,383-9.4% | $76,518-49.8% | $64,173-40.2% |
| Participation rate | 35.4% | 58.1%-22.7pp | 68.0%-32.6pp | 69.6%-34.1pp |
| Annual return | 6.11% | -16.54%+22.6pp | -0.27%+6.4pp | 7.63%-1.5pp |
| Employer contribution / active EE | $1,198 | $1,563-23.4% | $2,647-54.8% | $2,381-49.7% |
| Participant deferral / active EE | $2,647 | $2,566+3.1% | $3,836-31.0% | $3,470-23.7% |
| Admin fee / account holder | $442 | $3,198-86.2% | $4,849-90.9% | $4,887-91.0% |