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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 | $53,283 | $73,839-27.8% | $143,788-62.9% | $68,495-22.2% |
| Participation rate | 47.7% | 66.7%-18.9pp | 80.3%-32.6pp | 67.9%-20.2pp |
| Annual return | -18.25% | 1.01%-19.3pp | -0.03%-18.2pp | -7.84%-10.4pp |
| Employer contribution / active EE | $1,130 | $3,184-64.5% | $4,952-77.2% | $2,596-56.5% |
| Participant deferral / active EE | $2,726 | $3,384-19.4% | $5,638-51.6% | $4,028-32.3% |
| Admin fee / account holder | $6,617 | $5,755+15.0% | $14,675-54.9% | $5,403+22.5% |