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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 | $37,828 | $62,589-39.6% | $76,768-50.7% | $64,173-41.1% |
| Participation rate | 63.3% | 72.8%-9.5pp | 77.0%-13.6pp | 69.6%-6.2pp |
| Annual return | -0.63% | -1.95%+1.3pp | 2.43%-3.1pp | 7.63%-8.3pp |
| Employer contribution / active EE | $1,379 | $1,832-24.7% | $2,485-44.5% | $2,381-42.1% |
| Participant deferral / active EE | $2,403 | $3,145-23.6% | $3,852-37.6% | $3,470-30.8% |
| Admin fee / account holder | $1,697 | $4,667-63.6% | $6,675-74.6% | $4,887-65.3% |