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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 | $53,944 | $73,863-27.0% | $143,797-62.5% | $68,490-21.2% |
| Participation rate | 39.3% | 66.7%-27.4pp | 80.3%-41.0pp | 67.9%-28.6pp |
| Annual return | -17.47% | 0.91%-18.4pp | -0.04%-17.4pp | -7.85%-9.6pp |
| Employer contribution / active EE | $664 | $3,185-79.1% | $4,952-86.6% | $2,597-74.4% |
| Participant deferral / active EE | $1,700 | $3,385-49.8% | $5,638-69.9% | $4,028-57.8% |
| Admin fee / account holder | $2,248 | $5,756-60.9% | $14,679-84.7% | $5,403-58.4% |