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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 | $36,617 | $64,729-43.4% | $112,263-67.4% | $68,490-46.5% |
| Participation rate | 53.7% | 67.2%-13.4pp | 75.1%-21.3pp | 67.9%-14.2pp |
| Annual return | -17.13% | -11.40%-5.7pp | 27.49%-44.6pp | -7.85%-9.3pp |
| Employer contribution / active EE | $996 | $2,746-63.7% | $3,636-72.6% | $2,597-61.6% |
| Participant deferral / active EE | $4,089 | $3,566+14.7% | $4,729-13.5% | $4,028+1.5% |
| Admin fee / account holder | $2,963 | $5,222-43.3% | $6,410-53.8% | $5,403-45.2% |