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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 | $46,186 | $87,546-47.2% | $75,784-39.1% | $125,389-63.2% |
| Participation rate | 66.7% | 80.2%-13.5pp | 75.8%-9.2pp | 83.2%-16.5pp |
| Annual return | -0.87% | 13.49%-14.4pp | 9.68%-10.6pp | 282.24%-283.1pp |
| Employer contribution / active EE | $5,376 | $3,930+36.8% | $3,323+61.8% | $4,866+10.5% |
| Participant deferral / active EE | $3,960 | $4,230-6.4% | $3,652+8.4% | $5,352-26.0% |
| Admin fee / account holder | $3,636 | $6,503-44.1% | $5,300-31.4% | $9,541-61.9% |