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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 | $47,381 | $58,600-19.1% | $83,327-43.1% | $64,173-26.2% |
| Participation rate | 67.3% | 72.0%-4.8pp | 77.8%-10.5pp | 69.6%-2.3pp |
| Annual return | -4.82% | 9.66%-14.5pp | 10.64%-15.5pp | 7.63%-12.4pp |
| Employer contribution / active EE | $1,684 | $2,098-19.7% | $3,379-50.1% | $2,381-29.2% |
| Participant deferral / active EE | $7,112 | $4,656+52.8% | $5,565+27.8% | $3,470+105.0% |
| Admin fee / account holder | $8,916 | $9,282-3.9% | $7,540+18.2% | $4,887+82.4% |