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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 | $46,906 | $81,870-42.7% | $119,622-60.8% | $68,486-31.5% |
| Participation rate | 53.3% | 71.9%-18.6pp | 79.3%-25.9pp | 67.9%-14.6pp |
| Annual return | -18.00% | -23.82%+5.8pp | -14.98%-3.0pp | -7.85%-10.1pp |
| Employer contribution / active EE | $2,309 | $2,692-14.2% | $4,232-45.5% | $2,597-11.1% |
| Participant deferral / active EE | $4,971 | $4,148+19.8% | $5,601-11.2% | $4,028+23.4% |
| Admin fee / account holder | $5,564 | $6,583-15.5% | $10,328-46.1% | $5,404+3.0% |