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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 | $36,008 | $50,947-29.3% | $74,551-51.7% | $64,173-43.9% |
| Participation rate | 56.1% | 61.1%-4.9pp | 69.1%-13.0pp | 69.6%-13.4pp |
| Annual return | -5.55% | -1.85%-3.7pp | 32.53%-38.1pp | 7.63%-13.2pp |
| Employer contribution / active EE | $702 | $1,115-37.0% | $1,961-64.2% | $2,381-70.5% |
| Participant deferral / active EE | $2,154 | $2,302-6.4% | $3,108-30.7% | $3,470-37.9% |
| Admin fee / account holder | $4,429 | $4,221+4.9% | $5,059-12.5% | $4,887-9.4% |