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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 | $37,465 | $67,411-44.4% | $91,004-58.8% | $70,126-46.6% |
| Participation rate | 47.0% | 71.4%-24.4pp | 75.6%-28.6pp | 69.5%-22.6pp |
| Annual return | 15.48% | -40.16%+55.6pp | 4.60%+10.9pp | 73.15%-57.7pp |
| Employer contribution / active EE | $751 | $1,786-58.0% | $2,456-69.4% | $2,343-68.0% |
| Participant deferral / active EE | $1,655 | $2,823-41.4% | $3,548-53.3% | $3,332-50.3% |
| Admin fee / account holder | $6,889 | $4,236+62.6% | $5,417+27.2% | $4,645+48.3% |