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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 | $52,241 | $53,162-1.7% | $91,227-42.7% | $68,490-23.7% |
| Participation rate | 36.5% | 63.2%-26.7pp | 73.2%-36.7pp | 67.9%-31.4pp |
| Annual return | -17.29% | -3.14%-14.1pp | 114.14%-131.4pp | -7.85%-9.4pp |
| Employer contribution / active EE | $860 | $1,709-49.7% | $2,851-69.8% | $2,597-66.9% |
| Participant deferral / active EE | $1,451 | $2,974-51.2% | $4,234-65.7% | $4,028-64.0% |
| Admin fee / account holder | $4,782 | $4,493+6.4% | $5,423-11.8% | $5,403-11.5% |