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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 | $48,330 | $87,546-44.8% | $75,784-36.2% | $125,389-61.5% |
| Participation rate | 64.3% | 80.2%-15.9pp | 75.8%-11.5pp | 83.2%-18.9pp |
| Annual return | -1.71% | 13.49%-15.2pp | 9.68%-11.4pp | 282.24%-284.0pp |
| Employer contribution / active EE | $1,525 | $3,930-61.2% | $3,323-54.1% | $4,866-68.7% |
| Participant deferral / active EE | $2,305 | $4,230-45.5% | $3,652-36.9% | $5,352-56.9% |
| Admin fee / account holder | $481 | $6,503-92.6% | $5,300-90.9% | $9,541-95.0% |