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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 | $58,367 | $77,816-25.0% | $123,552-52.8% | $64,173-9.0% |
| Participation rate | 40.9% | 74.7%-33.9pp | 82.3%-41.4pp | 69.6%-28.7pp |
| Annual return | -6.14% | 12.49%-18.6pp | 119.20%-125.3pp | 7.63%-13.8pp |
| Employer contribution / active EE | $1,445 | $3,014-52.0% | $4,628-68.8% | $2,381-39.3% |
| Participant deferral / active EE | $2,385 | $5,240-54.5% | $6,426-62.9% | $3,470-31.3% |
| Admin fee / account holder | $1,109 | $5,519-79.9% | $9,285-88.1% | $4,887-77.3% |