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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 | $35,545 | $47,944-25.9% | $67,834-47.6% | $62,881-43.5% |
| Participation rate | 56.3% | 61.1%-4.8pp | 68.8%-12.5pp | 69.3%-13.1pp |
| Annual return | 7.86% | 11.77%-3.9pp | 138.47%-130.6pp | 20.14%-12.3pp |
| Employer contribution / active EE | $1,503 | $1,562-3.8% | $2,403-37.5% | $2,281-34.1% |
| Participant deferral / active EE | $2,133 | $2,247-5.1% | $3,160-32.5% | $3,203-33.4% |
| Admin fee / account holder | $7,880 | $3,712+112.3% | $4,622+70.5% | $4,296+83.4% |