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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 | $53,858 | $61,660-12.7% | $80,022-32.7% | $64,181-16.1% |
| Participation rate | 54.8% | 71.7%-16.9pp | 75.8%-21.0pp | 69.6%-14.8pp |
| Annual return | -6.87% | -0.33%-6.5pp | 11.22%-18.1pp | 7.63%-14.5pp |
| Employer contribution / active EE | $1,489 | $1,810-17.8% | $2,468-39.7% | $2,381-37.5% |
| Participant deferral / active EE | $3,326 | $2,968+12.1% | $3,686-9.8% | $3,470-4.2% |
| Admin fee / account holder | $10,490 | $5,417+93.7% | $6,521+60.9% | $4,887+114.6% |