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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 | $55,237 | $56,484-2.2% | $169,452-67.4% | $64,173-13.9% |
| Participation rate | 32.5% | 64.5%-32.0pp | 77.8%-45.3pp | 69.6%-37.1pp |
| Annual return | -6.01% | -1.55%-4.5pp | 1.83%-7.8pp | 7.63%-13.6pp |
| Employer contribution / active EE | $944 | $1,832-48.5% | $4,157-77.3% | $2,381-60.3% |
| Participant deferral / active EE | $1,583 | $3,448-54.1% | $5,277-70.0% | $3,470-54.4% |
| Admin fee / account holder | $13,936 | $4,174+233.9% | $9,110+53.0% | $4,887+185.2% |