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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 | $30,097 | $62,583-51.9% | $76,767-60.8% | $64,173-53.1% |
| Participation rate | 53.7% | 72.8%-19.2pp | 77.0%-23.3pp | 69.6%-15.9pp |
| Annual return | -0.25% | -1.95%+1.7pp | 2.43%-2.7pp | 7.63%-7.9pp |
| Employer contribution / active EE | $1,489 | $1,832-18.7% | $2,485-40.1% | $2,381-37.5% |
| Participant deferral / active EE | $2,426 | $3,145-22.9% | $3,852-37.0% | $3,470-30.1% |
| Admin fee / account holder | $23,495 | $4,667+403.4% | $6,675+252.0% | $4,887+380.7% |