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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 | $47,980 | $71,878-33.2% | $86,698-44.7% | $68,486-29.9% |
| Participation rate | 60.7% | 72.2%-11.5pp | 76.6%-15.9pp | 67.9%-7.2pp |
| Annual return | -11.56% | 3.53%-15.1pp | 35.95%-47.5pp | -7.85%-3.7pp |
| Employer contribution / active EE | $2,802 | $2,173+28.9% | $2,837-1.2% | $2,597+7.9% |
| Participant deferral / active EE | $4,944 | $3,779+30.8% | $4,656+6.2% | $4,028+22.8% |
| Admin fee / account holder | $2,632 | $6,113-56.9% | $7,493-64.9% | $5,404-51.3% |