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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 | $56,380 | $52,678+7.0% | $75,784-25.6% | $59,633-5.5% |
| Participation rate | 30.6% | 67.2%-36.6pp | 75.8%-45.2pp | 68.7%-38.0pp |
| Annual return | -2.41% | 2.95%-5.4pp | 9.68%-12.1pp | 2041.45%-2043.9pp |
| Employer contribution / active EE | $835 | $2,193-61.9% | $3,323-74.9% | $2,203-62.1% |
| Participant deferral / active EE | $1,471 | $2,591-43.2% | $3,652-59.7% | $3,192-53.9% |
| Admin fee / account holder | $2,214 | $3,610-38.7% | $5,300-58.2% | $4,297-48.5% |