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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 | $45,706 | $71,873-36.4% | $86,698-47.3% | $68,490-33.3% |
| Participation rate | 39.0% | 72.2%-33.2pp | 76.6%-37.6pp | 67.9%-28.9pp |
| Annual return | -16.06% | 3.54%-19.6pp | 35.96%-52.0pp | -7.85%-8.2pp |
| Employer contribution / active EE | $1,059 | $2,173-51.3% | $2,837-62.7% | $2,597-59.2% |
| Participant deferral / active EE | $2,906 | $3,779-23.1% | $4,656-37.6% | $4,028-27.9% |
| Admin fee / account holder | $4,914 | $6,110-19.6% | $7,492-34.4% | $5,403-9.1% |