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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 | $38,853 | $56,484-31.2% | $169,452-77.1% | $64,173-39.5% |
| Participation rate | 61.7% | 64.5%-2.9pp | 77.8%-16.1pp | 69.6%-7.9pp |
| Annual return | -5.87% | -1.55%-4.3pp | 1.83%-7.7pp | 7.63%-13.5pp |
| Employer contribution / active EE | $1,113 | $1,832-39.3% | $4,157-73.2% | $2,381-53.3% |
| Participant deferral / active EE | $1,599 | $3,448-53.6% | $5,277-69.7% | $3,470-53.9% |
| Admin fee / account holder | $357 | $4,174-91.4% | $9,110-96.1% | $4,887-92.7% |