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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 | $38,360 | $85,790-55.3% | $67,313-43.0% | $135,380-71.7% |
| Participation rate | 57.9% | 76.5%-18.6pp | 69.1%-11.2pp | 82.6%-24.7pp |
| Annual return | -5.18% | -0.54%-4.6pp | -4.08%-1.1pp | 519.81%-525.0pp |
| Employer contribution / active EE | $1,478 | $3,487-57.6% | $2,566-42.4% | $4,779-69.1% |
| Participant deferral / active EE | $3,432 | $4,651-26.2% | $3,568-3.8% | $5,609-38.8% |
| Admin fee / account holder | $3,568 | $6,392-44.2% | $4,507-20.8% | $10,828-67.0% |