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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 | $56,911 | $86,692-34.4% | $119,634-52.4% | $66,949-15.0% |
| Participation rate | 47.7% | 75.6%-27.9pp | 79.3%-31.5pp | 69.8%-22.1pp |
| Annual return | -17.44% | -8.00%-9.4pp | -14.98%-2.5pp | 1.57%-19.0pp |
| Employer contribution / active EE | $958 | $2,536-62.2% | $4,232-77.4% | $2,545-62.4% |
| Participant deferral / active EE | $2,370 | $4,360-45.6% | $5,601-57.7% | $4,239-44.1% |
| Admin fee / account holder | $687 | $755-9.0% | $10,329-93.3% | $594+15.7% |