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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 | $26,095 | $64,729-59.7% | $112,263-76.8% | $68,490-61.9% |
| Participation rate | 57.8% | 67.2%-9.3pp | 75.1%-17.2pp | 67.9%-10.1pp |
| Annual return | -18.49% | -11.40%-7.1pp | 27.49%-46.0pp | -7.85%-10.6pp |
| Employer contribution / active EE | $2,635 | $2,746-4.0% | $3,636-27.5% | $2,597+1.5% |
| Participant deferral / active EE | $3,375 | $3,566-5.3% | $4,729-28.6% | $4,028-16.2% |
| Admin fee / account holder | $1,918 | $5,222-63.3% | $6,410-70.1% | $5,403-64.5% |