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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 | $37,526 | $71,873-47.8% | $86,698-56.7% | $68,490-45.2% |
| Participation rate | 61.3% | 72.2%-11.0pp | 76.6%-15.3pp | 67.9%-6.6pp |
| Annual return | -11.90% | 3.54%-15.4pp | 35.96%-47.9pp | -7.85%-4.0pp |
| Employer contribution / active EE | $1,788 | $2,173-17.7% | $2,837-37.0% | $2,597-31.2% |
| Participant deferral / active EE | $3,124 | $3,779-17.3% | $4,656-32.9% | $4,028-22.4% |
| Admin fee / account holder | $24,305 | $6,110+297.8% | $7,492+224.4% | $5,403+349.8% |