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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 | $46,757 | $87,546-46.6% | $75,784-38.3% | $125,389-62.7% |
| Participation rate | 41.7% | 80.2%-38.5pp | 75.8%-34.2pp | 83.2%-41.5pp |
| Annual return | -2.46% | 13.49%-15.9pp | 9.68%-12.1pp | 282.24%-284.7pp |
| Employer contribution / active EE | $2,577 | $3,930-34.4% | $3,323-22.5% | $4,866-47.0% |
| Participant deferral / active EE | $7,125 | $4,230+68.5% | $3,652+95.1% | $5,352+33.1% |
| Admin fee / account holder | $2,901 | $6,503-55.4% | $5,300-45.3% | $9,541-69.6% |