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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 | $56,431 | $76,401-26.1% | $106,387-47.0% | $64,173-12.1% |
| Participation rate | 47.4% | 73.5%-26.2pp | 77.5%-30.1pp | 69.6%-22.2pp |
| Annual return | -6.19% | -2.19%-4.0pp | 0.25%-6.4pp | 7.63%-13.8pp |
| Employer contribution / active EE | $1,676 | $2,680-37.4% | $3,520-52.4% | $2,381-29.6% |
| Participant deferral / active EE | $3,599 | $4,274-15.8% | $5,421-33.6% | $3,470+3.7% |
| Admin fee / account holder | $1,466 | $4,610-68.2% | $7,510-80.5% | $4,887-70.0% |