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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 | $48,745 | $42,383+15.0% | $76,518-36.3% | $64,173-24.0% |
| Participation rate | 44.1% | 58.1%-14.0pp | 68.0%-23.9pp | 69.6%-25.5pp |
| Annual return | 1.35% | -16.54%+17.9pp | -0.27%+1.6pp | 7.63%-6.3pp |
| Employer contribution / active EE | $409 | $1,563-73.8% | $2,647-84.5% | $2,381-82.8% |
| Participant deferral / active EE | $1,637 | $2,566-36.2% | $3,836-57.3% | $3,470-52.8% |
| Admin fee / account holder | $17,069 | $3,198+433.7% | $4,849+252.0% | $4,887+249.2% |