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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 | $39,050 | $45,872-14.9% | $77,100-49.4% | $68,490-43.0% |
| Participation rate | 46.9% | 55.9%-9.0pp | 67.9%-21.0pp | 67.9%-21.0pp |
| Annual return | -13.42% | 1.73%-15.1pp | 42.35%-55.8pp | -7.85%-5.6pp |
| Employer contribution / active EE | $1,306 | $1,650-20.8% | $2,815-53.6% | $2,597-49.7% |
| Participant deferral / active EE | $5,818 | $2,963+96.4% | $4,430+31.3% | $4,028+44.4% |
| Admin fee / account holder | $5,280 | $3,041+73.6% | $5,443-3.0% | $5,403-2.3% |