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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 | $39,326 | $56,339-30.2% | $104,299-62.3% | $68,490-42.6% |
| Participation rate | 60.0% | 63.3%-3.3pp | 73.3%-13.3pp | 67.9%-7.9pp |
| Annual return | -15.92% | -9.19%-6.7pp | 24.62%-40.5pp | -7.85%-8.1pp |
| Employer contribution / active EE | $1,095 | $1,960-44.1% | $3,373-67.5% | $2,597-57.8% |
| Participant deferral / active EE | $2,945 | $3,077-4.3% | $4,626-36.3% | $4,028-26.9% |
| Admin fee / account holder | $737 | $4,902-85.0% | $7,339-90.0% | $5,403-86.4% |