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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 | $40,851 | $54,162-24.6% | $68,612-40.5% | $64,173-36.3% |
| Participation rate | 64.0% | 68.1%-4.1pp | 72.2%-8.2pp | 69.6%-5.6pp |
| Annual return | -6.69% | -1.62%-5.1pp | -4.63%-2.1pp | 7.63%-14.3pp |
| Employer contribution / active EE | $522 | $1,846-71.7% | $2,625-80.1% | $2,381-78.1% |
| Participant deferral / active EE | $1,062 | $2,626-59.6% | $3,311-67.9% | $3,470-69.4% |
| Admin fee / account holder | $2,583 | $4,029-35.9% | $5,131-49.7% | $4,887-47.1% |