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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 | $40,348 | $45,872-12.0% | $77,096-47.7% | $68,486-41.1% |
| Participation rate | 57.9% | 55.9%+2.0pp | 67.9%-10.0pp | 67.9%-10.0pp |
| Annual return | -7.68% | 1.73%-9.4pp | 42.35%-50.0pp | -7.85%+0.2pp |
| Employer contribution / active EE | $715 | $1,650-56.7% | $2,814-74.6% | $2,597-72.5% |
| Participant deferral / active EE | $2,382 | $2,963-19.6% | $4,429-46.2% | $4,028-40.9% |
| Admin fee / account holder | $3,457 | $3,041+13.7% | $5,428-36.3% | $5,404-36.0% |