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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 | $44,452 | $50,947-12.7% | $74,551-40.4% | $64,173-30.7% |
| Participation rate | 34.1% | 61.1%-26.9pp | 69.1%-35.0pp | 69.6%-35.4pp |
| Annual return | -7.36% | -1.85%-5.5pp | 32.53%-39.9pp | 7.63%-15.0pp |
| Employer contribution / active EE | $547 | $1,115-50.9% | $1,961-72.1% | $2,381-77.0% |
| Participant deferral / active EE | $1,622 | $2,302-29.5% | $3,108-47.8% | $3,470-53.2% |
| Admin fee / account holder | $8,428 | $4,221+99.7% | $5,059+66.6% | $4,887+72.4% |