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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 | $56,561 | $71,878-21.3% | $86,698-34.8% | $68,486-17.4% |
| Participation rate | 48.3% | 72.2%-24.0pp | 76.6%-28.3pp | 67.9%-19.6pp |
| Annual return | -17.07% | 3.53%-20.6pp | 35.95%-53.0pp | -7.85%-9.2pp |
| Employer contribution / active EE | $1,573 | $2,173-27.6% | $2,837-44.6% | $2,597-39.4% |
| Participant deferral / active EE | $3,937 | $3,779+4.2% | $4,656-15.4% | $4,028-2.2% |
| Admin fee / account holder | $9,732 | $6,113+59.2% | $7,493+29.9% | $5,404+80.1% |