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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 | $46,192 | $61,660-25.1% | $80,022-42.3% | $64,173-28.0% |
| Participation rate | 54.7% | 71.7%-17.0pp | 75.8%-21.1pp | 69.6%-14.9pp |
| Annual return | -2.02% | -0.33%-1.7pp | 11.22%-13.2pp | 7.63%-9.7pp |
| Employer contribution / active EE | $959 | $1,810-47.0% | $2,468-61.1% | $2,381-59.7% |
| Participant deferral / active EE | $2,338 | $2,968-21.2% | $3,686-36.6% | $3,470-32.6% |
| Admin fee / account holder | $19,362 | $5,417+257.4% | $6,521+196.9% | $4,887+296.2% |