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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 | $39,179 | $64,719-39.5% | $112,249-65.1% | $68,486-42.8% |
| Participation rate | 50.0% | 67.2%-17.2pp | 75.1%-25.1pp | 67.9%-17.9pp |
| Annual return | -17.68% | -11.40%-6.3pp | 27.48%-45.2pp | -7.85%-9.8pp |
| Employer contribution / active EE | $1,839 | $2,747-33.1% | $3,636-49.4% | $2,597-29.2% |
| Participant deferral / active EE | $4,430 | $3,565+24.2% | $4,729-6.3% | $4,028+10.0% |
| Admin fee / account holder | $569 | $5,232-89.1% | $6,412-91.1% | $5,404-89.5% |