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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 | $48,825 | $73,863-33.9% | $143,797-66.0% | $68,490-28.7% |
| Participation rate | 58.9% | 66.7%-7.7pp | 80.3%-21.4pp | 67.9%-9.0pp |
| Annual return | -16.35% | 0.91%-17.3pp | -0.04%-16.3pp | -7.85%-8.5pp |
| Employer contribution / active EE | $1,730 | $3,185-45.7% | $4,952-65.1% | $2,597-33.4% |
| Participant deferral / active EE | $2,326 | $3,385-31.3% | $5,638-58.7% | $4,028-42.2% |
| Admin fee / account holder | $8,658 | $5,756+50.4% | $14,679-41.0% | $5,403+60.3% |