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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 | $47,503 | $70,002-32.1% | $115,037-58.7% | $52,331-9.2% |
| Participation rate | 47.9% | 72.1%-24.2pp | 81.4%-33.4pp | 68.1%-20.2pp |
| Annual return | -0.27% | 4.04%-4.3pp | 26.14%-26.4pp | 4.54%-4.8pp |
| Employer contribution / active EE | $889 | $2,715-67.3% | $4,608-80.7% | $1,882-52.8% |
| Participant deferral / active EE | $3,270 | $4,920-33.5% | $6,026-45.7% | $3,022+8.2% |
| Admin fee / account holder | $6,977 | $566+1132.7% | $8,175-14.7% | $592+1079.4% |