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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 | $34,314 | $77,817-55.9% | $123,553-72.2% | $64,173-46.5% |
| Participation rate | 53.1% | 74.7%-21.7pp | 82.3%-29.2pp | 69.6%-16.5pp |
| Annual return | -5.14% | 12.49%-17.6pp | 119.21%-124.3pp | 7.63%-12.8pp |
| Employer contribution / active EE | $1,361 | $3,014-54.8% | $4,628-70.6% | $2,381-42.8% |
| Participant deferral / active EE | $3,018 | $5,240-42.4% | $6,426-53.0% | $3,470-13.0% |
| Admin fee / account holder | $5,818 | $5,519+5.4% | $9,284-37.3% | $4,887+19.0% |