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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 | $46,472 | $56,484-17.7% | $169,452-72.6% | $64,173-27.6% |
| Participation rate | 60.0% | 64.5%-4.5pp | 77.8%-17.8pp | 69.6%-9.6pp |
| Annual return | -6.48% | -1.55%-4.9pp | 1.83%-8.3pp | 7.63%-14.1pp |
| Employer contribution / active EE | $317 | $1,832-82.7% | $4,157-92.4% | $2,381-86.7% |
| Participant deferral / active EE | $2,193 | $3,448-36.4% | $5,277-58.4% | $3,470-36.8% |
| Admin fee / account holder | $1,135 | $4,174-72.8% | $9,110-87.5% | $4,887-76.8% |