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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 | $46,212 | $58,600-21.1% | $83,327-44.5% | $64,173-28.0% |
| Participation rate | 46.7% | 72.0%-25.4pp | 77.8%-31.1pp | 69.6%-22.9pp |
| Annual return | -5.27% | 9.66%-14.9pp | 10.64%-15.9pp | 7.63%-12.9pp |
| Employer contribution / active EE | $0 | $2,098-100.0% | $3,379-100.0% | $2,381-100.0% |
| Participant deferral / active EE | $3,035 | $4,656-34.8% | $5,565-45.5% | $3,470-12.5% |
| Admin fee / account holder | $7,475 | $9,282-19.5% | $7,540-0.9% | $4,887+53.0% |