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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 | $52,293 | $56,339-7.2% | $104,301-49.9% | $68,495-23.7% |
| Participation rate | 58.1% | 63.3%-5.2pp | 73.3%-15.2pp | 67.9%-9.8pp |
| Annual return | -3.49% | -9.19%+5.7pp | 24.61%-28.1pp | -7.84%+4.4pp |
| Employer contribution / active EE | $1,878 | $1,960-4.2% | $3,373-44.3% | $2,596-27.7% |
| Participant deferral / active EE | $2,926 | $3,077-4.9% | $4,626-36.7% | $4,028-27.4% |
| Admin fee / account holder | $35,862 | $4,902+631.7% | $7,340+388.6% | $5,403+563.7% |