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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 | $34,592 | $54,162-36.1% | $68,612-49.6% | $64,173-46.1% |
| Participation rate | 40.4% | 68.1%-27.6pp | 72.2%-31.8pp | 69.6%-29.1pp |
| Annual return | -6.26% | -1.62%-4.6pp | -4.63%-1.6pp | 7.63%-13.9pp |
| Employer contribution / active EE | $401 | $1,846-78.3% | $2,625-84.7% | $2,381-83.2% |
| Participant deferral / active EE | $1,243 | $2,626-52.7% | $3,311-62.5% | $3,470-64.2% |
| Admin fee / account holder | $3,988 | $4,029-1.0% | $5,131-22.3% | $4,887-18.4% |