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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 | $48,538 | $56,484-14.1% | $169,452-71.4% | $64,173-24.4% |
| Participation rate | 33.3% | 64.5%-31.2pp | 77.8%-44.4pp | 69.6%-36.2pp |
| Annual return | -6.13% | -1.55%-4.6pp | 1.83%-8.0pp | 7.63%-13.8pp |
| Employer contribution / active EE | $0 | $1,832-100.0% | $4,157-100.0% | $2,381-100.0% |
| Participant deferral / active EE | $2,205 | $3,448-36.0% | $5,277-58.2% | $3,470-36.4% |
| Admin fee / account holder | $723 | $4,174-82.7% | $9,110-92.1% | $4,887-85.2% |