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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 | $37,385 | $64,716-42.2% | $112,258-66.7% | $68,495-45.4% |
| Participation rate | 44.7% | 67.2%-22.4pp | 75.1%-30.3pp | 67.9%-23.2pp |
| Annual return | -5.32% | -11.40%+6.1pp | 27.47%-32.8pp | -7.84%+2.5pp |
| Employer contribution / active EE | $1,618 | $2,746-41.1% | $3,636-55.5% | $2,596-37.7% |
| Participant deferral / active EE | $3,983 | $3,565+11.7% | $4,728-15.8% | $4,028-1.1% |
| Admin fee / account holder | $667 | $5,232-87.2% | $6,411-89.6% | $5,403-87.7% |