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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 | $142,875 | $42,383+237.1% | $76,518+86.7% | $64,173+122.6% |
| Participation rate | 48.8% | 58.1%-9.4pp | 68.0%-19.2pp | 69.6%-20.8pp |
| Annual return | -6.21% | -16.54%+10.3pp | -0.27%-5.9pp | 7.63%-13.8pp |
| Employer contribution / active EE | $605 | $1,563-61.3% | $2,647-77.1% | $2,381-74.6% |
| Participant deferral / active EE | $999 | $2,566-61.1% | $3,836-74.0% | $3,470-71.2% |
| Admin fee / account holder | $1,849 | $3,198-42.2% | $4,849-61.9% | $4,887-62.2% |