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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 | $47,948 | $77,816-38.4% | $123,552-61.2% | $64,173-25.3% |
| Participation rate | 55.6% | 74.7%-19.2pp | 82.3%-26.7pp | 69.6%-14.0pp |
| Annual return | -6.94% | 12.49%-19.4pp | 119.20%-126.1pp | 7.63%-14.6pp |
| Employer contribution / active EE | $733 | $3,014-75.7% | $4,628-84.2% | $2,381-69.2% |
| Participant deferral / active EE | $3,548 | $5,240-32.3% | $6,426-44.8% | $3,470+2.3% |
| Admin fee / account holder | $2,560 | $5,519-53.6% | $9,285-72.4% | $4,887-47.6% |