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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 | $44,049 | $64,729-31.9% | $112,263-60.8% | $68,490-35.7% |
| Participation rate | 51.9% | 67.2%-15.2pp | 75.1%-23.1pp | 67.9%-16.0pp |
| Annual return | -16.74% | -11.40%-5.3pp | 27.49%-44.2pp | -7.85%-8.9pp |
| Employer contribution / active EE | $1,627 | $2,746-40.7% | $3,636-55.3% | $2,597-37.3% |
| Participant deferral / active EE | $3,262 | $3,566-8.5% | $4,729-31.0% | $4,028-19.0% |
| Admin fee / account holder | $737 | $5,222-85.9% | $6,410-88.5% | $5,403-86.4% |