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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 | $56,738 | $72,388-21.6% | $111,392-49.1% | $64,173-11.6% |
| Participation rate | 61.0% | 70.5%-9.5pp | 78.9%-17.9pp | 69.6%-8.6pp |
| Annual return | -4.53% | -1.50%-3.0pp | -2.06%-2.5pp | 7.63%-12.2pp |
| Employer contribution / active EE | $1,880 | $3,000-37.3% | $4,328-56.6% | $2,381-21.0% |
| Participant deferral / active EE | $3,508 | $4,241-17.3% | $5,567-37.0% | $3,470+1.1% |
| Admin fee / account holder | $7,949 | $5,719+39.0% | $12,266-35.2% | $4,887+62.6% |