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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 | $46,397 | $43,730+6.1% | $121,208-61.7% | $64,181-27.7% |
| Participation rate | 45.1% | 58.3%-13.3pp | 71.8%-26.7pp | 69.6%-24.5pp |
| Annual return | -7.04% | 68.94%-76.0pp | 16.93%-24.0pp | 7.63%-14.7pp |
| Employer contribution / active EE | $420 | $1,297-67.6% | $4,023-89.6% | $2,381-82.4% |
| Participant deferral / active EE | $1,865 | $2,281-18.2% | $3,345-44.2% | $3,470-46.2% |
| Admin fee / account holder | $1,021 | $3,502-70.8% | $5,020-79.7% | $4,887-79.1% |