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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 | $41,462 | $77,816-46.7% | $123,552-66.4% | $64,173-35.4% |
| Participation rate | 61.7% | 74.7%-13.0pp | 82.3%-20.6pp | 69.6%-7.9pp |
| Annual return | -6.11% | 12.49%-18.6pp | 119.20%-125.3pp | 7.63%-13.7pp |
| Employer contribution / active EE | $2,030 | $3,014-32.6% | $4,628-56.1% | $2,381-14.7% |
| Participant deferral / active EE | $4,299 | $5,240-18.0% | $6,426-33.1% | $3,470+23.9% |
| Admin fee / account holder | $9,954 | $5,519+80.4% | $9,285+7.2% | $4,887+103.7% |