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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 | $28,081 | $50,947-44.9% | $74,551-62.3% | $64,173-56.2% |
| Participation rate | 56.9% | 61.1%-4.1pp | 69.1%-12.2pp | 69.6%-12.6pp |
| Annual return | -7.54% | -1.85%-5.7pp | 32.53%-40.1pp | 7.63%-15.2pp |
| Employer contribution / active EE | $1,139 | $1,115+2.1% | $1,961-41.9% | $2,381-52.2% |
| Participant deferral / active EE | $1,800 | $2,302-21.8% | $3,108-42.1% | $3,470-48.1% |
| Admin fee / account holder | $1,491 | $4,221-64.7% | $5,059-70.5% | $4,887-69.5% |