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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 | $47,710 | $72,404-34.1% | $110,243-56.7% | $64,173-25.7% |
| Participation rate | 63.2% | 73.3%-10.2pp | 79.8%-16.7pp | 69.6%-6.4pp |
| Annual return | -5.21% | -6.29%+1.1pp | 314.76%-320.0pp | 7.63%-12.8pp |
| Employer contribution / active EE | $2,182 | $2,282-4.4% | $3,827-43.0% | $2,381-8.4% |
| Participant deferral / active EE | $4,248 | $3,469+22.4% | $4,672-9.1% | $3,470+22.4% |
| Admin fee / account holder | $1,984 | $5,664-65.0% | $8,548-76.8% | $4,887-59.4% |