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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 | $38,987 | $73,839-47.2% | $143,788-72.9% | $68,495-43.1% |
| Participation rate | 44.1% | 66.7%-22.6pp | 80.3%-36.2pp | 67.9%-23.8pp |
| Annual return | 0.00% | 1.01%-1.0pp | -0.03%0pp | -7.84%+7.8pp |
| Employer contribution / active EE | $731 | $3,184-77.0% | $4,952-85.2% | $2,596-71.8% |
| Participant deferral / active EE | $3,653 | $3,384+7.9% | $5,638-35.2% | $4,028-9.3% |
| Admin fee / account holder | $9,608 | $5,755+67.0% | $14,675-34.5% | $5,403+77.8% |