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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 | $36,616 | $54,239-32.5% | $70,098-47.8% | $68,495-46.5% |
| Participation rate | 53.6% | 64.5%-10.9pp | 70.5%-16.9pp | 67.9%-14.3pp |
| Annual return | -5.79% | -13.87%+8.1pp | 190.76%-196.6pp | -7.84%+2.0pp |
| Employer contribution / active EE | $1,666 | $2,019-17.5% | $2,560-34.9% | $2,596-35.8% |
| Participant deferral / active EE | $2,669 | $2,957-9.7% | $3,849-30.7% | $4,028-33.7% |
| Admin fee / account holder | $584 | $4,691-87.6% | $6,266-90.7% | $5,403-89.2% |