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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 | $46,810 | $64,719-27.7% | $112,249-58.3% | $68,486-31.6% |
| Participation rate | 60.0% | 67.2%-7.2pp | 75.1%-15.1pp | 67.9%-7.9pp |
| Annual return | -19.38% | -11.40%-8.0pp | 27.48%-46.9pp | -7.85%-11.5pp |
| Employer contribution / active EE | $1,446 | $2,747-47.4% | $3,636-60.2% | $2,597-44.3% |
| Participant deferral / active EE | $4,097 | $3,565+14.9% | $4,729-13.4% | $4,028+1.7% |
| Admin fee / account holder | $880 | $5,232-83.2% | $6,412-86.3% | $5,404-83.7% |