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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 | $37,677 | $59,813-37.0% | $79,580-52.7% | $68,486-45.0% |
| Participation rate | 60.7% | 61.1%-0.4pp | 69.5%-8.8pp | 67.9%-7.2pp |
| Annual return | -16.38% | -12.30%-4.1pp | 0.15%-16.5pp | -7.85%-8.5pp |
| Employer contribution / active EE | $1,362 | $1,505-9.5% | $2,413-43.6% | $2,597-47.6% |
| Participant deferral / active EE | $3,185 | $3,024+5.3% | $3,985-20.1% | $4,028-20.9% |
| Admin fee / account holder | $1,411 | $4,835-70.8% | $6,835-79.4% | $5,404-73.9% |