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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 | $43,242 | $87,546-50.6% | $75,784-42.9% | $125,389-65.5% |
| Participation rate | 44.4% | 80.2%-35.7pp | 75.8%-31.4pp | 83.2%-38.7pp |
| Annual return | -3.71% | 13.49%-17.2pp | 9.68%-13.4pp | 282.24%-285.9pp |
| Employer contribution / active EE | $1,895 | $3,930-51.8% | $3,323-43.0% | $4,866-61.1% |
| Participant deferral / active EE | $4,920 | $4,230+16.3% | $3,652+34.7% | $5,352-8.1% |
| Admin fee / account holder | $523 | $6,503-92.0% | $5,300-90.1% | $9,541-94.5% |