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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 | $41,430 | $77,817-46.8% | $123,553-66.5% | $64,173-35.4% |
| Participation rate | 62.1% | 74.7%-12.6pp | 82.3%-20.2pp | 69.6%-7.4pp |
| Annual return | -5.08% | 12.49%-17.6pp | 119.21%-124.3pp | 7.63%-12.7pp |
| Employer contribution / active EE | $672 | $3,014-77.7% | $4,628-85.5% | $2,381-71.8% |
| Participant deferral / active EE | $2,690 | $5,240-48.7% | $6,426-58.1% | $3,470-22.5% |
| Admin fee / account holder | $4,807 | $5,519-12.9% | $9,284-48.2% | $4,887-1.7% |