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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 | $37,920 | $56,339-32.7% | $104,299-63.6% | $68,490-44.6% |
| Participation rate | 58.7% | 63.3%-4.6pp | 73.3%-14.6pp | 67.9%-9.2pp |
| Annual return | -15.41% | -9.19%-6.2pp | 24.62%-40.0pp | -7.85%-7.6pp |
| Employer contribution / active EE | $3,511 | $1,960+79.1% | $3,373+4.1% | $2,597+35.2% |
| Participant deferral / active EE | $6,281 | $3,077+104.1% | $4,626+35.8% | $4,028+55.9% |
| Admin fee / account holder | $774 | $4,902-84.2% | $7,339-89.4% | $5,403-85.7% |