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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 | $38,971 | $57,350-32.0% | $83,850-53.5% | $64,181-39.3% |
| Participation rate | 60.7% | 68.6%-8.0pp | 76.1%-15.5pp | 69.6%-8.9pp |
| Annual return | -3.42% | 11.38%-14.8pp | 850.92%-854.3pp | 7.63%-11.0pp |
| Employer contribution / active EE | $3,245 | $2,545+27.5% | $3,631-10.6% | $2,381+36.3% |
| Participant deferral / active EE | $3,120 | $2,993+4.2% | $4,082-23.6% | $3,470-10.1% |
| Admin fee / account holder | $4,863 | $4,046+20.2% | $5,478-11.2% | $4,887-0.5% |