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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 | $42,480 | $73,848-42.5% | $143,799-70.5% | $68,486-38.0% |
| Participation rate | 64.3% | 66.7%-2.4pp | 80.3%-16.0pp | 67.9%-3.6pp |
| Annual return | -15.34% | 0.91%-16.3pp | -0.04%-15.3pp | -7.85%-7.5pp |
| Employer contribution / active EE | $1,308 | $3,184-58.9% | $4,952-73.6% | $2,597-49.6% |
| Participant deferral / active EE | $3,318 | $3,385-2.0% | $5,638-41.2% | $4,028-17.6% |
| Admin fee / account holder | $1,192 | $5,755-79.3% | $14,677-91.9% | $5,404-77.9% |