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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 | $54,389 | $73,863-26.4% | $143,797-62.2% | $68,490-20.6% |
| Participation rate | 49.1% | 66.7%-17.5pp | 80.3%-31.2pp | 67.9%-18.8pp |
| Annual return | -18.91% | 0.91%-19.8pp | -0.04%-18.9pp | -7.85%-11.1pp |
| Employer contribution / active EE | $1,539 | $3,185-51.7% | $4,952-68.9% | $2,597-40.8% |
| Participant deferral / active EE | $1,694 | $3,385-49.9% | $5,638-69.9% | $4,028-57.9% |
| Admin fee / account holder | $5,395 | $5,756-6.3% | $14,679-63.2% | $5,403-0.2% |