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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 | $32,614 | $77,817-58.1% | $123,553-73.6% | $64,173-49.2% |
| Participation rate | 55.9% | 74.7%-18.8pp | 82.3%-26.4pp | 69.6%-13.7pp |
| Annual return | -5.73% | 12.49%-18.2pp | 119.21%-124.9pp | 7.63%-13.4pp |
| Employer contribution / active EE | $2,032 | $3,014-32.6% | $4,628-56.1% | $2,381-14.6% |
| Participant deferral / active EE | $4,740 | $5,240-9.5% | $6,426-26.2% | $3,470+36.6% |
| Admin fee / account holder | $1,204 | $5,519-78.2% | $9,284-87.0% | $4,887-75.4% |