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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 | $54,507 | $77,816-30.0% | $123,552-55.9% | $64,173-15.1% |
| Participation rate | 51.8% | 74.7%-22.9pp | 82.3%-30.5pp | 69.6%-17.8pp |
| Annual return | -5.08% | 12.49%-17.6pp | 119.20%-124.3pp | 7.63%-12.7pp |
| Employer contribution / active EE | $804 | $3,014-73.3% | $4,628-82.6% | $2,381-66.2% |
| Participant deferral / active EE | $4,254 | $5,240-18.8% | $6,426-33.8% | $3,470+22.6% |
| Admin fee / account holder | $5,800 | $5,519+5.1% | $9,285-37.5% | $4,887+18.7% |