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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 | $48,024 | $71,878-33.2% | $86,698-44.6% | $68,486-29.9% |
| Participation rate | 54.0% | 72.2%-18.2pp | 76.6%-22.6pp | 67.9%-13.9pp |
| Annual return | -14.37% | 3.53%-17.9pp | 35.95%-50.3pp | -7.85%-6.5pp |
| Employer contribution / active EE | $865 | $2,173-60.2% | $2,837-69.5% | $2,597-66.7% |
| Participant deferral / active EE | $3,636 | $3,779-3.8% | $4,656-21.9% | $4,028-9.7% |
| Admin fee / account holder | $12,718 | $6,113+108.1% | $7,493+69.7% | $5,404+135.3% |