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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 | $47,945 | $110,083-56.4% | $151,645-68.4% | $68,490-30.0% |
| Participation rate | 58.2% | 84.0%-25.7pp | 87.5%-29.3pp | 67.9%-9.7pp |
| Annual return | -16.77% | -10.12%-6.6pp | 3.34%-20.1pp | -7.85%-8.9pp |
| Employer contribution / active EE | $5,784 | $4,470+29.4% | $6,165-6.2% | $2,597+122.7% |
| Participant deferral / active EE | $7,292 | $6,526+11.7% | $8,363-12.8% | $4,028+81.1% |
| Admin fee / account holder | $2,229 | $7,718-71.1% | $11,614-80.8% | $5,403-58.7% |