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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 | $36,678 | $64,729-43.3% | $112,263-67.3% | $68,490-46.4% |
| Participation rate | 37.5% | 67.2%-29.7pp | 75.1%-37.6pp | 67.9%-30.4pp |
| Annual return | -17.71% | -11.40%-6.3pp | 27.49%-45.2pp | -7.85%-9.9pp |
| Employer contribution / active EE | $1,543 | $2,746-43.8% | $3,636-57.6% | $2,597-40.6% |
| Participant deferral / active EE | $2,745 | $3,566-23.0% | $4,729-42.0% | $4,028-31.9% |
| Admin fee / account holder | $7,148 | $5,222+36.9% | $6,410+11.5% | $5,403+32.3% |