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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 | $38,409 | $77,817-50.6% | $123,553-68.9% | $64,173-40.1% |
| Participation rate | 62.5% | 74.7%-12.2pp | 82.3%-19.8pp | 69.6%-7.1pp |
| Annual return | -5.99% | 12.49%-18.5pp | 119.21%-125.2pp | 7.63%-13.6pp |
| Employer contribution / active EE | $2,140 | $3,014-29.0% | $4,628-53.8% | $2,381-10.1% |
| Participant deferral / active EE | $4,441 | $5,240-15.2% | $6,426-30.9% | $3,470+28.0% |
| Admin fee / account holder | $1,498 | $5,519-72.9% | $9,284-83.9% | $4,887-69.4% |