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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 | $48,376 | $77,817-37.8% | $123,553-60.8% | $64,173-24.6% |
| Participation rate | 63.3% | 74.7%-11.4pp | 82.3%-19.0pp | 69.6%-6.2pp |
| Annual return | -6.85% | 12.49%-19.3pp | 119.21%-126.1pp | 7.63%-14.5pp |
| Employer contribution / active EE | $648 | $3,014-78.5% | $4,628-86.0% | $2,381-72.8% |
| Participant deferral / active EE | $5,513 | $5,240+5.2% | $6,426-14.2% | $3,470+58.9% |
| Admin fee / account holder | $6,869 | $5,519+24.5% | $9,284-26.0% | $4,887+40.5% |