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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 | $46,439 | $62,583-25.8% | $76,767-39.5% | $64,173-27.6% |
| Participation rate | 45.6% | 72.8%-27.2pp | 77.0%-31.4pp | 69.6%-24.0pp |
| Annual return | -1.45% | -1.95%+0.5pp | 2.43%-3.9pp | 7.63%-9.1pp |
| Employer contribution / active EE | $775 | $1,832-57.7% | $2,485-68.8% | $2,381-67.4% |
| Participant deferral / active EE | $1,459 | $3,145-53.6% | $3,852-62.1% | $3,470-58.0% |
| Admin fee / account holder | $4,846 | $4,667+3.8% | $6,675-27.4% | $4,887-0.8% |