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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 | $49,047 | $77,816-37.0% | $123,549-60.3% | $64,181-23.6% |
| Participation rate | 58.1% | 74.7%-16.6pp | 82.3%-24.2pp | 69.6%-11.4pp |
| Annual return | -7.40% | 12.49%-19.9pp | 119.20%-126.6pp | 7.63%-15.0pp |
| Employer contribution / active EE | $1,940 | $3,014-35.6% | $4,628-58.1% | $2,381-18.5% |
| Participant deferral / active EE | $3,457 | $5,240-34.0% | $6,426-46.2% | $3,470-0.4% |
| Admin fee / account holder | $20,539 | $5,519+272.2% | $9,284+121.2% | $4,887+320.3% |