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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 | $41,116 | $64,719-36.5% | $112,249-63.4% | $68,486-40.0% |
| Participation rate | 56.0% | 67.2%-11.2pp | 75.1%-19.1pp | 67.9%-11.9pp |
| Annual return | -17.55% | -11.40%-6.2pp | 27.48%-45.0pp | -7.85%-9.7pp |
| Employer contribution / active EE | $1,922 | $2,747-30.0% | $3,636-47.1% | $2,597-26.0% |
| Participant deferral / active EE | $3,993 | $3,565+12.0% | $4,729-15.6% | $4,028-0.9% |
| Admin fee / account holder | $365 | $5,232-93.0% | $6,412-94.3% | $5,404-93.2% |