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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 | $53,310 | $58,587-9.0% | $83,322-36.0% | $64,173-16.9% |
| Participation rate | 50.0% | 72.0%-22.0pp | 77.8%-27.8pp | 69.6%-19.6pp |
| Annual return | -6.36% | 9.65%-16.0pp | 10.64%-17.0pp | 7.63%-14.0pp |
| Employer contribution / active EE | $957 | $2,098-54.4% | $3,379-71.7% | $2,381-59.8% |
| Participant deferral / active EE | $2,538 | $4,654-45.5% | $5,565-54.4% | $3,470-26.9% |
| Admin fee / account holder | $17,578 | $9,279+89.4% | $7,540+133.1% | $4,887+259.7% |