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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 | $38,663 | $83,427-53.7% | $115,756-66.6% | $68,486-43.5% |
| Participation rate | 57.5% | 71.9%-14.4pp | 77.1%-19.6pp | 67.9%-10.4pp |
| Annual return | -16.91% | -10.95%-6.0pp | 143.14%-160.1pp | -7.85%-9.1pp |
| Employer contribution / active EE | $2,947 | $3,075-4.2% | $3,793-22.3% | $2,597+13.5% |
| Participant deferral / active EE | $5,295 | $5,355-1.1% | $6,254-15.3% | $4,028+31.5% |
| Admin fee / account holder | $7,794 | $5,708+36.6% | $8,124-4.1% | $5,404+44.2% |