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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 | $34,663 | $77,817-55.5% | $123,553-71.9% | $64,173-46.0% |
| Participation rate | 21.7% | 74.7%-53.0pp | 82.3%-60.6pp | 69.6%-47.8pp |
| Annual return | -5.57% | 12.49%-18.1pp | 119.21%-124.8pp | 7.63%-13.2pp |
| Employer contribution / active EE | $968 | $3,014-67.9% | $4,628-79.1% | $2,381-59.3% |
| Participant deferral / active EE | $2,438 | $5,240-53.5% | $6,426-62.1% | $3,470-29.7% |
| Admin fee / account holder | $5,060 | $5,519-8.3% | $9,284-45.5% | $4,887+3.5% |