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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 | $57,606 | $61,214-5.9% | $83,323-30.9% | $56,287+2.3% |
| Participation rate | 41.3% | 72.6%-31.3pp | 77.8%-36.4pp | 69.9%-28.5pp |
| Annual return | -5.73% | 0.42%-6.1pp | 10.63%-16.4pp | -9.96%+4.2pp |
| Employer contribution / active EE | $608 | $1,925-68.4% | $3,379-82.0% | $2,111-71.2% |
| Participant deferral / active EE | $4,456 | $5,091-12.5% | $5,565-19.9% | $3,350+33.0% |
| Admin fee / account holder | $5,286 | $512+933.3% | $7,539-29.9% | $521+914.7% |