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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 | $57,266 | $33,067+73.2% | $76,518-25.2% | $56,289+1.7% |
| Participation rate | 50.9% | 55.4%-4.5pp | 68.0%-17.1pp | 69.9%-19.0pp |
| Annual return | -7.73% | 2.72%-10.4pp | -0.27%-7.5pp | -9.96%+2.2pp |
| Employer contribution / active EE | $1,458 | $1,200+21.5% | $2,647-44.9% | $2,111-30.9% |
| Participant deferral / active EE | $3,392 | $2,240+51.4% | $3,836-11.6% | $3,350+1.2% |
| Admin fee / account holder | $1,867 | $537+247.8% | $4,849-61.5% | $521+258.4% |