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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 | $26,302 | $58,600-55.1% | $83,327-68.4% | $64,173-59.0% |
| Participation rate | 45.0% | 72.0%-27.0pp | 77.8%-32.8pp | 69.6%-24.6pp |
| Annual return | -6.22% | 9.66%-15.9pp | 10.64%-16.9pp | 7.63%-13.9pp |
| Employer contribution / active EE | $1,465 | $2,098-30.2% | $3,379-56.6% | $2,381-38.5% |
| Participant deferral / active EE | $2,803 | $4,656-39.8% | $5,565-49.6% | $3,470-19.2% |
| Admin fee / account holder | $7,155 | $9,282-22.9% | $7,540-5.1% | $4,887+46.4% |