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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 | $33,085 | $73,863-55.2% | $143,797-77.0% | $68,490-51.7% |
| Participation rate | 64.3% | 66.7%-2.4pp | 80.3%-16.0pp | 67.9%-3.6pp |
| Annual return | -14.32% | 0.91%-15.2pp | -0.04%-14.3pp | -7.85%-6.5pp |
| Employer contribution / active EE | $1,862 | $3,185-41.5% | $4,952-62.4% | $2,597-28.3% |
| Participant deferral / active EE | $3,574 | $3,385+5.6% | $5,638-36.6% | $4,028-11.3% |
| Admin fee / account holder | $8,721 | $5,756+51.5% | $14,679-40.6% | $5,403+61.4% |