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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 | $31,837 | $48,267-34.0% | $68,808-53.7% | $68,486-53.5% |
| Participation rate | 59.4% | 60.7%-1.3pp | 69.0%-9.6pp | 67.9%-8.5pp |
| Annual return | -14.86% | -12.70%-2.2pp | -6.37%-8.5pp | -7.85%-7.0pp |
| Employer contribution / active EE | $1,078 | $1,829-41.0% | $2,656-59.4% | $2,597-58.5% |
| Participant deferral / active EE | $2,035 | $2,867-29.0% | $3,942-48.4% | $4,028-49.5% |
| Admin fee / account holder | $12,374 | $4,362+183.6% | $4,936+150.7% | $5,404+129.0% |