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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 | $44,640 | $57,352-22.2% | $83,831-46.8% | $64,173-30.4% |
| Participation rate | 45.9% | 68.6%-22.7pp | 76.1%-30.2pp | 69.6%-23.6pp |
| Annual return | -4.28% | 11.38%-15.7pp | 850.99%-855.3pp | 7.63%-11.9pp |
| Employer contribution / active EE | $545 | $2,546-78.6% | $3,631-85.0% | $2,381-77.1% |
| Participant deferral / active EE | $2,876 | $2,993-3.9% | $4,082-29.6% | $3,470-17.1% |
| Admin fee / account holder | $5,172 | $4,046+27.8% | $5,479-5.6% | $4,887+5.8% |