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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 | $48,363 | $58,600-17.5% | $83,327-42.0% | $64,173-24.6% |
| Participation rate | 48.5% | 72.0%-23.6pp | 77.8%-29.3pp | 69.6%-21.1pp |
| Annual return | -7.57% | 9.66%-17.2pp | 10.64%-18.2pp | 7.63%-15.2pp |
| Employer contribution / active EE | $1,325 | $2,098-36.9% | $3,379-60.8% | $2,381-44.4% |
| Participant deferral / active EE | $2,809 | $4,656-39.7% | $5,565-49.5% | $3,470-19.0% |
| Admin fee / account holder | $1,538 | $9,282-83.4% | $7,540-79.6% | $4,887-68.5% |