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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 | $36,241 | $73,009-50.4% | $90,760-60.1% | $68,486-47.1% |
| Participation rate | 50.7% | 70.8%-20.2pp | 75.7%-25.0pp | 67.9%-17.2pp |
| Annual return | -17.57% | -13.81%-3.8pp | -12.16%-5.4pp | -7.85%-9.7pp |
| Employer contribution / active EE | $1,429 | $2,193-34.8% | $2,922-51.1% | $2,597-45.0% |
| Participant deferral / active EE | $2,569 | $3,626-29.2% | $4,565-43.7% | $4,028-36.2% |
| Admin fee / account holder | $3,762 | $5,896-36.2% | $8,444-55.5% | $5,404-30.4% |