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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 | $26,401 | $71,878-63.3% | $86,698-69.5% | $68,486-61.5% |
| Participation rate | 48.5% | 72.2%-23.8pp | 76.6%-28.1pp | 67.9%-19.4pp |
| Annual return | -5.95% | 3.53%-9.5pp | 35.95%-41.9pp | -7.85%+1.9pp |
| Employer contribution / active EE | $1,317 | $2,173-39.4% | $2,837-53.6% | $2,597-49.3% |
| Participant deferral / active EE | $2,171 | $3,779-42.6% | $4,656-53.4% | $4,028-46.1% |
| Admin fee / account holder | $3,570 | $6,113-41.6% | $7,493-52.4% | $5,404-33.9% |