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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 | $47,701 | $73,019-34.7% | $90,766-47.4% | $68,490-30.4% |
| Participation rate | 62.7% | 70.8%-8.1pp | 75.7%-13.0pp | 67.9%-5.2pp |
| Annual return | -18.24% | -13.81%-4.4pp | -12.16%-6.1pp | -7.85%-10.4pp |
| Employer contribution / active EE | $1,984 | $2,193-9.5% | $2,922-32.1% | $2,597-23.6% |
| Participant deferral / active EE | $3,141 | $3,626-13.4% | $4,565-31.2% | $4,028-22.0% |
| Admin fee / account holder | $4,257 | $5,897-27.8% | $8,446-49.6% | $5,403-21.2% |