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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 | $34,112 | $62,586-45.5% | $76,766-55.6% | $64,181-46.9% |
| Participation rate | 46.6% | 72.8%-26.2pp | 77.0%-30.4pp | 69.6%-23.0pp |
| Annual return | -6.13% | -1.95%-4.2pp | 2.43%-8.6pp | 7.63%-13.8pp |
| Employer contribution / active EE | $810 | $1,832-55.8% | $2,485-67.4% | $2,381-66.0% |
| Participant deferral / active EE | $2,827 | $3,145-10.1% | $3,851-26.6% | $3,470-18.5% |
| Admin fee / account holder | $526 | $4,667-88.7% | $6,675-92.1% | $4,887-89.2% |