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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 | $35,611 | $43,344-17.8% | $59,899-40.5% | $64,173-44.5% |
| Participation rate | 67.9% | 69.2%-1.2pp | 74.7%-6.8pp | 69.6%-1.6pp |
| Annual return | -4.74% | -1.55%-3.2pp | 3.46%-8.2pp | 7.63%-12.4pp |
| Employer contribution / active EE | $1,961 | $2,030-3.4% | $2,723-28.0% | $2,381-17.6% |
| Participant deferral / active EE | $1,220 | $2,547-52.1% | $3,402-64.2% | $3,470-64.8% |
| Admin fee / account holder | $2,107 | $3,008-29.9% | $3,592-41.3% | $4,887-56.9% |