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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 | $47,981 | $62,583-23.3% | $76,767-37.5% | $64,173-25.2% |
| Participation rate | 63.9% | 72.8%-8.9pp | 77.0%-13.1pp | 69.6%-5.7pp |
| Annual return | -6.26% | -1.95%-4.3pp | 2.43%-8.7pp | 7.63%-13.9pp |
| Employer contribution / active EE | $548 | $1,832-70.1% | $2,485-77.9% | $2,381-77.0% |
| Participant deferral / active EE | $3,602 | $3,145+14.5% | $3,852-6.5% | $3,470+3.8% |
| Admin fee / account holder | $3,954 | $4,667-15.3% | $6,675-40.8% | $4,887-19.1% |