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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 | $78,237 | $72,388+8.1% | $111,392-29.8% | $64,173+21.9% |
| Participation rate | 46.4% | 70.5%-24.1pp | 78.9%-32.4pp | 69.6%-23.1pp |
| Annual return | 0.00% | -1.50%+1.5pp | -2.06%+2.1pp | 7.63%-7.6pp |
| Employer contribution / active EE | $1,802 | $3,000-39.9% | $4,328-58.4% | $2,381-24.3% |
| Participant deferral / active EE | $3,365 | $4,241-20.7% | $5,567-39.6% | $3,470-3.0% |
| Admin fee / account holder | $5,088 | $5,719-11.0% | $12,266-58.5% | $4,887+4.1% |