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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 | $45,565 | $83,908-45.7% | $68,509-33.5% | $125,389-63.7% |
| Participation rate | 60.0% | 78.2%-18.2pp | 74.7%-14.7pp | 83.2%-23.2pp |
| Annual return | -2.35% | 14.48%-16.8pp | 8.27%-10.6pp | 282.24%-284.6pp |
| Employer contribution / active EE | $1,001 | $3,031-67.0% | $2,278-56.1% | $4,866-79.4% |
| Participant deferral / active EE | $1,116 | $4,125-72.9% | $3,382-67.0% | $5,352-79.1% |
| Admin fee / account holder | $435 | $8,982-95.2% | $5,275-91.8% | $9,541-95.4% |