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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 | $37,020 | $62,583-40.8% | $76,767-51.8% | $64,173-42.3% |
| Participation rate | 64.6% | 72.8%-8.2pp | 77.0%-12.3pp | 69.6%-5.0pp |
| Annual return | -4.69% | -1.95%-2.7pp | 2.43%-7.1pp | 7.63%-12.3pp |
| Employer contribution / active EE | $846 | $1,832-53.8% | $2,485-66.0% | $2,381-64.5% |
| Participant deferral / active EE | $2,337 | $3,145-25.7% | $3,852-39.3% | $3,470-32.7% |
| Admin fee / account holder | $6,559 | $4,667+40.5% | $6,675-1.7% | $4,887+34.2% |