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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 | $51,220 | $77,816-34.2% | $123,552-58.5% | $64,173-20.2% |
| Participation rate | 46.0% | 74.7%-28.7pp | 82.3%-36.3pp | 69.6%-23.5pp |
| Annual return | -4.14% | 12.49%-16.6pp | 119.20%-123.3pp | 7.63%-11.8pp |
| Employer contribution / active EE | $924 | $3,014-69.4% | $4,628-80.0% | $2,381-61.2% |
| Participant deferral / active EE | $2,910 | $5,240-44.5% | $6,426-54.7% | $3,470-16.1% |
| Admin fee / account holder | $1,940 | $5,519-64.8% | $9,285-79.1% | $4,887-60.3% |