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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 | $40,454 | $77,817-48.0% | $123,553-67.3% | $64,173-37.0% |
| Participation rate | 50.0% | 74.7%-24.7pp | 82.3%-32.3pp | 69.6%-19.6pp |
| Annual return | -7.25% | 12.49%-19.7pp | 119.21%-126.5pp | 7.63%-14.9pp |
| Employer contribution / active EE | $1,695 | $3,014-43.8% | $4,628-63.4% | $2,381-28.8% |
| Participant deferral / active EE | $5,316 | $5,240+1.4% | $6,426-17.3% | $3,470+53.2% |
| Admin fee / account holder | $8,482 | $5,519+53.7% | $9,284-8.6% | $4,887+73.5% |