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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 | $42,030 | $52,678-20.2% | $75,784-44.5% | $59,633-29.5% |
| Participation rate | 44.1% | 67.2%-23.1pp | 75.8%-31.7pp | 68.7%-24.6pp |
| Annual return | -2.85% | 2.95%-5.8pp | 9.68%-12.5pp | 2041.45%-2044.3pp |
| Employer contribution / active EE | $1,467 | $2,193-33.1% | $3,323-55.9% | $2,203-33.4% |
| Participant deferral / active EE | $3,119 | $2,591+20.4% | $3,652-14.6% | $3,192-2.3% |
| Admin fee / account holder | $2,804 | $3,610-22.3% | $5,300-47.1% | $4,297-34.7% |