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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 | $34,500 | $87,546-60.6% | $75,784-54.5% | $125,389-72.5% |
| Participation rate | 45.0% | 80.2%-35.2pp | 75.8%-30.8pp | 83.2%-38.2pp |
| Annual return | -3.20% | 13.49%-16.7pp | 9.68%-12.9pp | 282.24%-285.4pp |
| Employer contribution / active EE | $2,026 | $3,930-48.4% | $3,323-39.0% | $4,866-58.4% |
| Participant deferral / active EE | $4,040 | $4,230-4.5% | $3,652+10.6% | $5,352-24.5% |
| Admin fee / account holder | $2,898 | $6,503-55.4% | $5,300-45.3% | $9,541-69.6% |