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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 | $38,041 | $62,589-39.2% | $76,768-50.4% | $64,173-40.7% |
| Participation rate | 64.9% | 72.8%-7.9pp | 77.0%-12.0pp | 69.6%-4.6pp |
| Annual return | -5.74% | -1.95%-3.8pp | 2.43%-8.2pp | 7.63%-13.4pp |
| Employer contribution / active EE | $995 | $1,832-45.7% | $2,485-59.9% | $2,381-58.2% |
| Participant deferral / active EE | $2,286 | $3,145-27.3% | $3,852-40.6% | $3,470-34.1% |
| Admin fee / account holder | $2,975 | $4,667-36.2% | $6,675-55.4% | $4,887-39.1% |