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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 | $37,001 | $48,576-23.8% | $169,452-78.2% | $56,287-34.3% |
| Participation rate | 55.6% | 65.8%-10.3pp | 77.8%-22.2pp | 69.9%-14.3pp |
| Annual return | -5.26% | -2.51%-2.7pp | 1.83%-7.1pp | -9.96%+4.7pp |
| Employer contribution / active EE | $364 | $1,559-76.7% | $4,157-91.2% | $2,111-82.8% |
| Participant deferral / active EE | $1,909 | $3,275-41.7% | $5,277-63.8% | $3,350-43.0% |
| Admin fee / account holder | $3,270 | $435+651.6% | $9,110-64.1% | $521+527.8% |