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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 | $51,167 | $77,817-34.2% | $123,553-58.6% | $64,173-20.3% |
| Participation rate | 38.1% | 74.7%-36.6pp | 82.3%-44.2pp | 69.6%-31.5pp |
| Annual return | -6.02% | 12.49%-18.5pp | 119.21%-125.2pp | 7.63%-13.7pp |
| Employer contribution / active EE | $1,473 | $3,014-51.1% | $4,628-68.2% | $2,381-38.1% |
| Participant deferral / active EE | $3,974 | $5,240-24.2% | $6,426-38.1% | $3,470+14.5% |
| Admin fee / account holder | $13,968 | $5,519+153.1% | $9,284+50.4% | $4,887+185.8% |