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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 | $48,865 | $59,813-18.3% | $79,580-38.6% | $68,486-28.6% |
| Participation rate | 60.0% | 61.1%-1.1pp | 69.5%-9.5pp | 67.9%-7.9pp |
| Annual return | -13.55% | -12.30%-1.3pp | 0.15%-13.7pp | -7.85%-5.7pp |
| Employer contribution / active EE | $978 | $1,505-35.0% | $2,413-59.5% | $2,597-62.3% |
| Participant deferral / active EE | $2,028 | $3,024-33.0% | $3,985-49.1% | $4,028-49.7% |
| Admin fee / account holder | $3,122 | $4,835-35.4% | $6,835-54.3% | $5,404-42.2% |