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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 | $47,619 | $73,863-35.5% | $143,797-66.9% | $68,490-30.5% |
| Participation rate | 50.0% | 66.7%-16.7pp | 80.3%-30.3pp | 67.9%-17.9pp |
| Annual return | -15.73% | 0.91%-16.6pp | -0.04%-15.7pp | -7.85%-7.9pp |
| Employer contribution / active EE | $1,917 | $3,185-39.8% | $4,952-61.3% | $2,597-26.2% |
| Participant deferral / active EE | $3,305 | $3,385-2.3% | $5,638-41.4% | $4,028-17.9% |
| Admin fee / account holder | $10,360 | $5,756+80.0% | $14,679-29.4% | $5,403+91.8% |