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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 | $32,988 | $73,009-54.8% | $90,760-63.7% | $68,486-51.8% |
| Participation rate | 67.0% | 70.8%-3.8pp | 75.7%-8.7pp | 67.9%-0.9pp |
| Annual return | -13.22% | -13.81%+0.6pp | -12.16%-1.1pp | -7.85%-5.4pp |
| Employer contribution / active EE | $836 | $2,193-61.9% | $2,922-71.4% | $2,597-67.8% |
| Participant deferral / active EE | $2,866 | $3,626-21.0% | $4,565-37.2% | $4,028-28.8% |
| Admin fee / account holder | $13,469 | $5,896+128.5% | $8,444+59.5% | $5,404+149.3% |