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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 | $42,703 | $53,546-20.3% | $69,890-38.9% | $68,490-37.7% |
| Participation rate | 48.8% | 64.5%-15.7pp | 70.5%-21.6pp | 67.9%-19.1pp |
| Annual return | -16.62% | -13.87%-2.8pp | 190.84%-207.5pp | -7.85%-8.8pp |
| Employer contribution / active EE | $2,479 | $2,019+22.8% | $2,560-3.2% | $2,597-4.5% |
| Participant deferral / active EE | $6,126 | $2,957+107.2% | $3,848+59.2% | $4,028+52.1% |
| Admin fee / account holder | $4,789 | $4,693+2.1% | $6,267-23.6% | $5,403-11.4% |