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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 | $65,332 | $45,438+43.8% | $80,004-18.3% | $59,633+9.6% |
| Participation rate | 44.2% | 63.7%-19.5pp | 73.0%-28.8pp | 68.7%-24.5pp |
| Annual return | -0.75% | 5.10%-5.8pp | 7.63%-8.4pp | 2041.45%-2042.2pp |
| Employer contribution / active EE | $552 | $1,236-55.3% | $2,473-77.7% | $2,203-74.9% |
| Participant deferral / active EE | $1,260 | $2,231-43.5% | $3,204-60.7% | $3,192-60.5% |
| Admin fee / account holder | $3,582 | $3,464+3.4% | $5,033-28.8% | $4,297-16.6% |