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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 | $48,071 | $43,730+9.9% | $121,220-60.3% | $64,173-25.1% |
| Participation rate | 44.4% | 58.3%-13.9pp | 71.8%-27.3pp | 69.6%-25.1pp |
| Annual return | -5.17% | 68.94%-74.1pp | 16.94%-22.1pp | 7.63%-12.8pp |
| Employer contribution / active EE | $1,093 | $1,297-15.7% | $4,023-72.8% | $2,381-54.1% |
| Participant deferral / active EE | $2,360 | $2,281+3.5% | $3,345-29.4% | $3,470-32.0% |
| Admin fee / account holder | $2,131 | $3,502-39.2% | $5,021-57.6% | $4,887-56.4% |