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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 | $55,178 | $71,878-23.2% | $86,698-36.4% | $68,486-19.4% |
| Participation rate | 51.6% | 72.2%-20.6pp | 76.6%-25.0pp | 67.9%-16.3pp |
| Annual return | -18.12% | 3.53%-21.7pp | 35.95%-54.1pp | -7.85%-10.3pp |
| Employer contribution / active EE | $1,545 | $2,173-28.9% | $2,837-45.5% | $2,597-40.5% |
| Participant deferral / active EE | $3,331 | $3,779-11.9% | $4,656-28.5% | $4,028-17.3% |
| Admin fee / account holder | $1,692 | $6,113-72.3% | $7,493-77.4% | $5,404-68.7% |