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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 | $44,277 | $58,093-23.8% | $80,022-44.7% | $56,287-21.3% |
| Participation rate | 39.5% | 73.6%-34.1pp | 75.8%-36.3pp | 69.9%-30.4pp |
| Annual return | -6.12% | 34.63%-40.7pp | 11.22%-17.3pp | -9.96%+3.8pp |
| Employer contribution / active EE | $533 | $1,933-72.4% | $2,468-78.4% | $2,111-74.7% |
| Participant deferral / active EE | $2,343 | $3,136-25.3% | $3,686-36.4% | $3,350-30.0% |
| Admin fee / account holder | $3,997 | $623+542.0% | $6,521-38.7% | $521+667.3% |