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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 | $43,157 | $77,817-44.5% | $123,553-65.1% | $64,173-32.7% |
| Participation rate | 53.6% | 74.7%-21.1pp | 82.3%-28.7pp | 69.6%-16.0pp |
| Annual return | -3.64% | 12.49%-16.1pp | 119.21%-122.8pp | 7.63%-11.3pp |
| Employer contribution / active EE | $572 | $3,014-81.0% | $4,628-87.6% | $2,381-76.0% |
| Participant deferral / active EE | $2,669 | $5,240-49.1% | $6,426-58.5% | $3,470-23.1% |
| Admin fee / account holder | $1,291 | $5,519-76.6% | $9,284-86.1% | $4,887-73.6% |