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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 | $47,633 | $59,834-20.4% | $79,576-40.1% | $68,495-30.5% |
| Participation rate | 48.3% | 61.1%-12.7pp | 69.5%-21.2pp | 67.9%-19.6pp |
| Annual return | -17.68% | -12.30%-5.4pp | 0.15%-17.8pp | -7.84%-9.8pp |
| Employer contribution / active EE | $487 | $1,505-67.6% | $2,413-79.8% | $2,596-81.2% |
| Participant deferral / active EE | $2,409 | $3,024-20.3% | $3,985-39.5% | $4,028-40.2% |
| Admin fee / account holder | $2,463 | $4,835-49.1% | $6,834-64.0% | $5,403-54.4% |