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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 | $33,998 | $52,678-35.5% | $75,784-55.1% | $59,633-43.0% |
| Participation rate | 46.5% | 67.2%-20.7pp | 75.8%-29.3pp | 68.7%-22.2pp |
| Annual return | -1.62% | 2.95%-4.6pp | 9.68%-11.3pp | 2041.45%-2043.1pp |
| Employer contribution / active EE | $1,784 | $2,193-18.7% | $3,323-46.3% | $2,203-19.0% |
| Participant deferral / active EE | $2,152 | $2,591-16.9% | $3,652-41.1% | $3,192-32.6% |
| Admin fee / account holder | $1,624 | $3,610-55.0% | $5,300-69.3% | $4,297-62.2% |