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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 | $52,029 | $61,660-15.6% | $80,022-35.0% | $64,173-18.9% |
| Participation rate | 42.7% | 71.7%-29.0pp | 75.8%-33.1pp | 69.6%-26.9pp |
| Annual return | -3.03% | -0.33%-2.7pp | 11.22%-14.2pp | 7.63%-10.7pp |
| Employer contribution / active EE | $774 | $1,810-57.2% | $2,468-68.6% | $2,381-67.5% |
| Participant deferral / active EE | $1,705 | $2,968-42.6% | $3,686-53.8% | $3,470-50.9% |
| Admin fee / account holder | $3,382 | $5,417-37.6% | $6,521-48.1% | $4,887-30.8% |