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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 | $36,697 | $62,589-41.4% | $76,768-52.2% | $64,173-42.8% |
| Participation rate | 46.0% | 72.8%-26.8pp | 77.0%-31.0pp | 69.6%-23.6pp |
| Annual return | -7.15% | -1.95%-5.2pp | 2.43%-9.6pp | 7.63%-14.8pp |
| Employer contribution / active EE | $983 | $1,832-46.4% | $2,485-60.5% | $2,381-58.7% |
| Participant deferral / active EE | $2,113 | $3,145-32.8% | $3,852-45.1% | $3,470-39.1% |
| Admin fee / account holder | $1,172 | $4,667-74.9% | $6,675-82.4% | $4,887-76.0% |