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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 | $47,312 | $87,016-45.6% | $63,244-25.2% | $125,389-62.3% |
| Participation rate | 68.2% | 77.1%-8.9pp | 71.0%-2.9pp | 83.2%-15.0pp |
| Annual return | -0.72% | 21.71%-22.4pp | -70.31%+69.6pp | 282.24%-283.0pp |
| Employer contribution / active EE | $1,811 | $3,601-49.7% | $2,322-22.0% | $4,866-62.8% |
| Participant deferral / active EE | $2,412 | $3,939-38.8% | $2,953-18.3% | $5,352-54.9% |
| Admin fee / account holder | $8,314 | $11,954-30.4% | $5,893+41.1% | $9,541-12.9% |