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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 | $45,466 | $64,719-29.7% | $112,249-59.5% | $68,486-33.6% |
| Participation rate | 58.3% | 67.2%-8.8pp | 75.1%-16.7pp | 67.9%-9.6pp |
| Annual return | -9.80% | -11.40%+1.6pp | 27.48%-37.3pp | -7.85%-1.9pp |
| Employer contribution / active EE | $825 | $2,747-69.9% | $3,636-77.3% | $2,597-68.2% |
| Participant deferral / active EE | $2,061 | $3,565-42.2% | $4,729-56.4% | $4,028-48.8% |
| Admin fee / account holder | $3,346 | $5,232-36.1% | $6,412-47.8% | $5,404-38.1% |