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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 | $46,835 | $62,589-25.2% | $76,768-39.0% | $64,173-27.0% |
| Participation rate | 61.5% | 72.8%-11.3pp | 77.0%-15.4pp | 69.6%-8.0pp |
| Annual return | -5.24% | -1.95%-3.3pp | 2.43%-7.7pp | 7.63%-12.9pp |
| Employer contribution / active EE | $1,166 | $1,832-36.4% | $2,485-53.1% | $2,381-51.0% |
| Participant deferral / active EE | $2,224 | $3,145-29.3% | $3,852-42.2% | $3,470-35.9% |
| Admin fee / account holder | $5,667 | $4,667+21.4% | $6,675-15.1% | $4,887+15.9% |