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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 | $58,914 | $72,404-18.6% | $110,243-46.6% | $64,173-8.2% |
| Participation rate | 43.2% | 73.3%-30.2pp | 79.8%-36.7pp | 69.6%-26.4pp |
| Annual return | -7.52% | -6.29%-1.2pp | 314.76%-322.3pp | 7.63%-15.1pp |
| Employer contribution / active EE | $1,617 | $2,282-29.1% | $3,827-57.7% | $2,381-32.1% |
| Participant deferral / active EE | $3,605 | $3,469+3.9% | $4,672-22.8% | $3,470+3.9% |
| Admin fee / account holder | $599 | $5,664-89.4% | $8,548-93.0% | $4,887-87.7% |