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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 | $58,915 | $72,177-18.4% | $115,038-48.8% | $59,633-1.2% |
| Participation rate | 48.9% | 72.6%-23.6pp | 81.4%-32.5pp | 68.7%-19.8pp |
| Annual return | -1.51% | 12.02%-13.5pp | 26.14%-27.6pp | 2041.45%-2043.0pp |
| Employer contribution / active EE | $1,389 | $2,841-51.1% | $4,608-69.9% | $2,203-37.0% |
| Participant deferral / active EE | $3,914 | $4,783-18.2% | $6,026-35.1% | $3,192+22.6% |
| Admin fee / account holder | $2,947 | $4,927-40.2% | $8,175-64.0% | $4,297-31.4% |