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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 | $54,774 | $46,697+17.3% | $117,533-53.4% | $68,486-20.0% |
| Participation rate | 45.5% | 56.8%-11.3pp | 70.6%-25.1pp | 67.9%-22.4pp |
| Annual return | -16.91% | -14.52%-2.4pp | 29.77%-46.7pp | -7.85%-9.1pp |
| Employer contribution / active EE | $846 | $1,506-43.8% | $4,179-79.8% | $2,597-67.4% |
| Participant deferral / active EE | $930 | $2,637-64.7% | $4,072-77.2% | $4,028-76.9% |
| Admin fee / account holder | $2,417 | $4,023-39.9% | $5,647-57.2% | $5,404-55.3% |