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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 | $47,032 | $77,816-39.6% | $123,552-61.9% | $64,173-26.7% |
| Participation rate | 54.2% | 74.7%-20.5pp | 82.3%-28.1pp | 69.6%-15.3pp |
| Annual return | -0.26% | 12.49%-12.7pp | 119.20%-119.5pp | 7.63%-7.9pp |
| Employer contribution / active EE | $1,337 | $3,014-55.6% | $4,628-71.1% | $2,381-43.8% |
| Participant deferral / active EE | $4,916 | $5,240-6.2% | $6,426-23.5% | $3,470+41.7% |
| Admin fee / account holder | $1,768 | $5,519-68.0% | $9,285-81.0% | $4,887-63.8% |