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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 | $51,218 | $56,484-9.3% | $169,452-69.8% | $64,173-20.2% |
| Participation rate | 54.0% | 64.5%-10.5pp | 77.8%-23.8pp | 69.6%-15.5pp |
| Annual return | -5.51% | -1.55%-4.0pp | 1.83%-7.3pp | 7.63%-13.1pp |
| Employer contribution / active EE | $575 | $1,832-68.6% | $4,157-86.2% | $2,381-75.9% |
| Participant deferral / active EE | $1,542 | $3,448-55.3% | $5,277-70.8% | $3,470-55.5% |
| Admin fee / account holder | $3,330 | $4,174-20.2% | $9,110-63.4% | $4,887-31.9% |