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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 | $26,941 | $46,697-42.3% | $117,533-77.1% | $68,486-60.7% |
| Participation rate | 37.7% | 56.8%-19.0pp | 70.6%-32.9pp | 67.9%-30.2pp |
| Annual return | -4.04% | -14.52%+10.5pp | 29.77%-33.8pp | -7.85%+3.8pp |
| Employer contribution / active EE | $4,145 | $1,506+175.3% | $4,179-0.8% | $2,597+59.6% |
| Participant deferral / active EE | $8,722 | $2,637+230.7% | $4,072+114.2% | $4,028+116.6% |
| Admin fee / account holder | $5,849 | $4,023+45.4% | $5,647+3.6% | $5,404+8.2% |