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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 | $37,027 | $71,872-48.5% | $86,691-57.3% | $68,495-45.9% |
| Participation rate | 48.5% | 72.2%-23.8pp | 76.6%-28.1pp | 67.9%-19.4pp |
| Annual return | -15.03% | 3.53%-18.6pp | 35.94%-51.0pp | -7.84%-7.2pp |
| Employer contribution / active EE | $2,842 | $2,173+30.8% | $2,837+0.2% | $2,596+9.4% |
| Participant deferral / active EE | $5,446 | $3,779+44.1% | $4,656+17.0% | $4,028+35.2% |
| Admin fee / account holder | $7,393 | $6,112+21.0% | $7,492-1.3% | $5,403+36.8% |