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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 | $48,130 | $97,881-50.8% | $80,004-39.8% | $125,388-61.6% |
| Participation rate | 68.4% | 77.9%-9.4pp | 73.0%-4.6pp | 83.2%-14.8pp |
| Annual return | -2.49% | 9.36%-11.9pp | 7.63%-10.1pp | 282.24%-284.7pp |
| Employer contribution / active EE | $1,392 | $3,128-55.5% | $2,473-43.7% | $4,866-71.4% |
| Participant deferral / active EE | $4,225 | $3,744+12.8% | $3,204+31.9% | $5,352-21.0% |
| Admin fee / account holder | $1,715 | $6,278-72.7% | $5,033-65.9% | $9,541-82.0% |