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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 | $45,312 | $61,660-26.5% | $80,022-43.4% | $64,173-29.4% |
| Participation rate | 61.3% | 71.7%-10.4pp | 75.8%-14.5pp | 69.6%-8.3pp |
| Annual return | -6.26% | -0.33%-5.9pp | 11.22%-17.5pp | 7.63%-13.9pp |
| Employer contribution / active EE | $1,243 | $1,810-31.4% | $2,468-49.6% | $2,381-47.8% |
| Participant deferral / active EE | $2,364 | $2,968-20.4% | $3,686-35.9% | $3,470-31.9% |
| Admin fee / account holder | $1,065 | $5,417-80.3% | $6,521-83.7% | $4,887-78.2% |