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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 | $35,629 | $73,863-51.8% | $143,797-75.2% | $68,490-48.0% |
| Participation rate | 44.9% | 66.7%-21.8pp | 80.3%-35.4pp | 67.9%-23.0pp |
| Annual return | -1.28% | 0.91%-2.2pp | -0.04%-1.2pp | -7.85%+6.6pp |
| Employer contribution / active EE | $1,446 | $3,185-54.6% | $4,952-70.8% | $2,597-44.3% |
| Participant deferral / active EE | $2,402 | $3,385-29.0% | $5,638-57.4% | $4,028-40.4% |
| Admin fee / account holder | $1,820 | $5,756-68.4% | $14,679-87.6% | $5,403-66.3% |