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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 | $61,564 | $77,817-20.9% | $123,553-50.2% | $64,173-4.1% |
| Participation rate | 57.1% | 74.7%-17.6pp | 82.3%-25.2pp | 69.6%-12.4pp |
| Annual return | -3.32% | 12.49%-15.8pp | 119.21%-122.5pp | 7.63%-11.0pp |
| Employer contribution / active EE | $1,824 | $3,014-39.5% | $4,628-60.6% | $2,381-23.4% |
| Participant deferral / active EE | $5,166 | $5,240-1.4% | $6,426-19.6% | $3,470+48.9% |
| Admin fee / account holder | $2,920 | $5,519-47.1% | $9,284-68.5% | $4,887-40.3% |