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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 | $24,437 | $77,817-68.6% | $123,553-80.2% | $64,173-61.9% |
| Participation rate | 69.4% | 74.7%-5.3pp | 82.3%-12.9pp | 69.6%-0.1pp |
| Annual return | -5.77% | 12.49%-18.3pp | 119.21%-125.0pp | 7.63%-13.4pp |
| Employer contribution / active EE | $1,477 | $3,014-51.0% | $4,628-68.1% | $2,381-38.0% |
| Participant deferral / active EE | $2,709 | $5,240-48.3% | $6,426-57.8% | $3,470-21.9% |
| Admin fee / account holder | $4,969 | $5,519-10.0% | $9,284-46.5% | $4,887+1.7% |