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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 | $60,118 | $77,817-22.7% | $123,553-51.3% | $64,173-6.3% |
| Participation rate | 48.0% | 74.7%-26.8pp | 82.3%-34.3pp | 69.6%-21.6pp |
| Annual return | -4.47% | 12.49%-17.0pp | 119.21%-123.7pp | 7.63%-12.1pp |
| Employer contribution / active EE | $1,034 | $3,014-65.7% | $4,628-77.6% | $2,381-56.5% |
| Participant deferral / active EE | $2,573 | $5,240-50.9% | $6,426-60.0% | $3,470-25.8% |
| Admin fee / account holder | $3,197 | $5,519-42.1% | $9,284-65.6% | $4,887-34.6% |