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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 | $63,884 | $45,872+39.3% | $77,096-17.1% | $68,486-6.7% |
| Participation rate | 21.9% | 55.9%-34.0pp | 67.9%-46.0pp | 67.9%-46.0pp |
| Annual return | -16.94% | 1.73%-18.7pp | 42.35%-59.3pp | -7.85%-9.1pp |
| Employer contribution / active EE | $1,162 | $1,650-29.6% | $2,814-58.7% | $2,597-55.3% |
| Participant deferral / active EE | $1,708 | $2,963-42.4% | $4,429-61.4% | $4,028-57.6% |
| Admin fee / account holder | $2,645 | $3,041-13.0% | $5,428-51.3% | $5,404-51.0% |