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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 | $51,862 | $48,267+7.4% | $68,808-24.6% | $68,486-24.3% |
| Participation rate | 48.7% | 60.7%-11.9pp | 69.0%-20.3pp | 67.9%-19.2pp |
| Annual return | -16.26% | -12.70%-3.6pp | -6.37%-9.9pp | -7.85%-8.4pp |
| Employer contribution / active EE | $1,308 | $1,829-28.5% | $2,656-50.7% | $2,597-49.6% |
| Participant deferral / active EE | $2,652 | $2,867-7.5% | $3,942-32.7% | $4,028-34.1% |
| Admin fee / account holder | $4,611 | $4,362+5.7% | $4,936-6.6% | $5,404-14.7% |