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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 | $62,201 | $50,947+22.1% | $74,549-16.6% | $64,173-3.1% |
| Participation rate | 41.3% | 61.1%-19.8pp | 69.1%-27.9pp | 69.6%-28.3pp |
| Annual return | -6.13% | -1.85%-4.3pp | 32.53%-38.7pp | 7.63%-13.8pp |
| Employer contribution / active EE | $450 | $1,115-59.7% | $1,961-77.1% | $2,381-81.1% |
| Participant deferral / active EE | $1,810 | $2,302-21.4% | $3,108-41.8% | $3,470-47.8% |
| Admin fee / account holder | $1,654 | $4,221-60.8% | $5,059-67.3% | $4,887-66.2% |