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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 | $35,491 | $79,633-55.4% | $93,759-62.1% | $68,486-48.2% |
| Participation rate | 63.0% | 75.4%-12.3pp | 81.0%-17.9pp | 67.9%-4.8pp |
| Annual return | -11.75% | -0.10%-11.7pp | -11.33%-0.4pp | -7.85%-3.9pp |
| Employer contribution / active EE | $3,030 | $3,665-17.3% | $4,324-29.9% | $2,597+16.7% |
| Participant deferral / active EE | $6,254 | $5,158+21.3% | $6,096+2.6% | $4,028+55.3% |
| Admin fee / account holder | $8,521 | $6,871+24.0% | $7,197+18.4% | $5,404+57.7% |