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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 | $39,713 | $45,872-13.4% | $77,096-48.5% | $68,486-42.0% |
| Participation rate | 53.5% | 55.9%-2.4pp | 67.9%-14.4pp | 67.9%-14.4pp |
| Annual return | -18.18% | 1.73%-19.9pp | 42.35%-60.5pp | -7.85%-10.3pp |
| Employer contribution / active EE | $1,205 | $1,650-27.0% | $2,814-57.2% | $2,597-53.6% |
| Participant deferral / active EE | $3,082 | $2,963+4.0% | $4,429-30.4% | $4,028-23.5% |
| Admin fee / account holder | $1,667 | $3,041-45.2% | $5,428-69.3% | $5,404-69.1% |