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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 | $43,233 | $110,083-60.7% | $151,639-71.5% | $68,486-36.9% |
| Participation rate | 46.5% | 84.0%-37.4pp | 87.5%-41.0pp | 67.9%-21.4pp |
| Annual return | -9.26% | -10.12%+0.9pp | 3.34%-12.6pp | -7.85%-1.4pp |
| Employer contribution / active EE | $1,560 | $4,470-65.1% | $6,165-74.7% | $2,597-39.9% |
| Participant deferral / active EE | $3,089 | $6,526-52.7% | $8,363-63.1% | $4,028-23.3% |
| Admin fee / account holder | $8,351 | $7,718+8.2% | $11,613-28.1% | $5,404+54.5% |