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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 | $55,582 | $81,870-32.1% | $119,634-53.5% | $68,490-18.8% |
| Participation rate | 48.4% | 71.9%-23.5pp | 79.3%-30.8pp | 67.9%-19.5pp |
| Annual return | -13.24% | -23.82%+10.6pp | -14.98%+1.7pp | -7.85%-5.4pp |
| Employer contribution / active EE | $1,514 | $2,692-43.8% | $4,232-64.2% | $2,597-41.7% |
| Participant deferral / active EE | $2,876 | $4,148-30.7% | $5,601-48.7% | $4,028-28.6% |
| Admin fee / account holder | $9,412 | $6,583+43.0% | $10,329-8.9% | $5,403+74.2% |