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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 | $46,622 | $79,633-41.5% | $93,786-50.3% | $68,490-31.9% |
| Participation rate | 38.9% | 75.4%-36.5pp | 81.0%-42.1pp | 67.9%-29.0pp |
| Annual return | -17.69% | -0.10%-17.6pp | -11.32%-6.4pp | -7.85%-9.8pp |
| Employer contribution / active EE | $1,512 | $3,665-58.8% | $4,328-65.1% | $2,597-41.8% |
| Participant deferral / active EE | $4,736 | $5,158-8.2% | $6,100-22.3% | $4,028+17.6% |
| Admin fee / account holder | $6,350 | $6,871-7.6% | $7,184-11.6% | $5,403+17.5% |