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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 | $38,860 | $49,280-21.1% | $67,313-42.3% | $64,173-39.4% |
| Participation rate | 64.9% | 60.8%+4.1pp | 69.1%-4.2pp | 69.6%-4.7pp |
| Annual return | -3.89% | -1.39%-2.5pp | -4.08%+0.2pp | 7.63%-11.5pp |
| Employer contribution / active EE | $371 | $1,668-77.7% | $2,566-85.5% | $2,381-84.4% |
| Participant deferral / active EE | $1,938 | $2,484-22.0% | $3,568-45.7% | $3,470-44.1% |
| Admin fee / account holder | $3,415 | $3,863-11.6% | $4,507-24.2% | $4,887-30.1% |