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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 | $44,008 | $59,819-26.4% | $79,583-44.7% | $68,490-35.7% |
| Participation rate | 51.4% | 61.1%-9.7pp | 69.5%-18.1pp | 67.9%-16.5pp |
| Annual return | -7.29% | -12.30%+5.0pp | 0.16%-7.5pp | -7.85%+0.6pp |
| Employer contribution / active EE | $2,882 | $1,505+91.4% | $2,414+19.4% | $2,597+11.0% |
| Participant deferral / active EE | $5,815 | $3,025+92.2% | $3,986+45.9% | $4,028+44.4% |
| Admin fee / account holder | $7,143 | $4,835+47.7% | $6,835+4.5% | $5,403+32.2% |