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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 | $44,840 | $45,872-2.2% | $77,100-41.8% | $68,490-34.5% |
| Participation rate | 44.4% | 55.9%-11.5pp | 67.9%-23.5pp | 67.9%-23.5pp |
| Annual return | -15.93% | 1.73%-17.7pp | 42.35%-58.3pp | -7.85%-8.1pp |
| Employer contribution / active EE | $1,266 | $1,650-23.3% | $2,815-55.0% | $2,597-51.3% |
| Participant deferral / active EE | $3,102 | $2,963+4.7% | $4,430-30.0% | $4,028-23.0% |
| Admin fee / account holder | $7,226 | $3,041+137.6% | $5,443+32.7% | $5,403+33.7% |