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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 | $27,404 | $71,878-61.9% | $86,698-68.4% | $68,486-60.0% |
| Participation rate | 1.8% | 72.2%-70.5pp | 76.6%-74.8pp | 67.9%-66.1pp |
| Annual return | -3.53% | 3.53%-7.1pp | 35.95%-39.5pp | -7.85%+4.3pp |
| Employer contribution / active EE | $2,269 | $2,173+4.4% | $2,837-20.0% | $2,597-12.6% |
| Participant deferral / active EE | $5,533 | $3,779+46.4% | $4,656+18.8% | $4,028+37.4% |
| Admin fee / account holder | $3,101 | $6,113-49.3% | $7,493-58.6% | $5,404-42.6% |