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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 | $43,969 | $64,729-32.1% | $112,263-60.8% | $68,490-35.8% |
| Participation rate | 45.7% | 67.2%-21.4pp | 75.1%-29.3pp | 67.9%-22.2pp |
| Annual return | 6.81% | -11.40%+18.2pp | 27.49%-20.7pp | -7.85%+14.7pp |
| Employer contribution / active EE | $1,861 | $2,746-32.2% | $3,636-48.8% | $2,597-28.3% |
| Participant deferral / active EE | $3,763 | $3,566+5.5% | $4,729-20.4% | $4,028-6.6% |
| Admin fee / account holder | $1,015 | $5,222-80.6% | $6,410-84.2% | $5,403-81.2% |