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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 | $40,884 | $62,583-34.7% | $76,767-46.7% | $64,173-36.3% |
| Participation rate | 38.3% | 72.8%-34.5pp | 77.0%-38.7pp | 69.6%-31.3pp |
| Annual return | -0.59% | -1.95%+1.4pp | 2.43%-3.0pp | 7.63%-8.2pp |
| Employer contribution / active EE | $2,064 | $1,832+12.7% | $2,485-16.9% | $2,381-13.3% |
| Participant deferral / active EE | $2,125 | $3,145-32.4% | $3,852-44.8% | $3,470-38.8% |
| Admin fee / account holder | $30,228 | $4,667+547.7% | $6,675+352.8% | $4,887+518.5% |