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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 | $59,050 | $45,872+28.7% | $77,096-23.4% | $68,486-13.8% |
| Participation rate | 37.3% | 55.9%-18.6pp | 67.9%-30.6pp | 67.9%-30.6pp |
| Annual return | -16.83% | 1.73%-18.6pp | 42.35%-59.2pp | -7.85%-9.0pp |
| Employer contribution / active EE | $1,127 | $1,650-31.7% | $2,814-60.0% | $2,597-56.6% |
| Participant deferral / active EE | $2,168 | $2,963-26.8% | $4,429-51.1% | $4,028-46.2% |
| Admin fee / account holder | $883 | $3,041-71.0% | $5,428-83.7% | $5,404-83.7% |