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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 | $35,436 | $50,947-30.4% | $74,551-52.5% | $64,173-44.8% |
| Participation rate | 60.0% | 61.1%-1.1pp | 69.1%-9.1pp | 69.6%-9.6pp |
| Annual return | -6.57% | -1.85%-4.7pp | 32.53%-39.1pp | 7.63%-14.2pp |
| Employer contribution / active EE | $301 | $1,115-73.0% | $1,961-84.6% | $2,381-87.3% |
| Participant deferral / active EE | $1,464 | $2,302-36.4% | $3,108-52.9% | $3,470-57.8% |
| Admin fee / account holder | $684 | $4,221-83.8% | $5,059-86.5% | $4,887-86.0% |