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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 | $41,755 | $52,678-20.7% | $75,784-44.9% | $59,633-30.0% |
| Participation rate | 44.0% | 67.2%-23.3pp | 75.8%-31.9pp | 68.7%-24.7pp |
| Annual return | -1.36% | 2.95%-4.3pp | 9.68%-11.0pp | 2041.45%-2042.8pp |
| Employer contribution / active EE | $923 | $2,193-57.9% | $3,323-72.2% | $2,203-58.1% |
| Participant deferral / active EE | $2,132 | $2,591-17.7% | $3,652-41.6% | $3,192-33.2% |
| Admin fee / account holder | $5,554 | $3,610+53.9% | $5,300+4.8% | $4,297+29.3% |