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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 | $37,092 | $73,863-49.8% | $143,797-74.2% | $68,490-45.8% |
| Participation rate | 67.2% | 66.7%+0.5pp | 80.3%-13.2pp | 67.9%-0.7pp |
| Annual return | -16.83% | 0.91%-17.7pp | -0.04%-16.8pp | -7.85%-9.0pp |
| Employer contribution / active EE | $1,481 | $3,185-53.5% | $4,952-70.1% | $2,597-43.0% |
| Participant deferral / active EE | $2,788 | $3,385-17.6% | $5,638-50.5% | $4,028-30.8% |
| Admin fee / account holder | $6,463 | $5,756+12.3% | $14,679-56.0% | $5,403+19.6% |