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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 | $61,556 | $45,872+34.2% | $77,096-20.2% | $68,486-10.1% |
| Participation rate | 18.2% | 55.9%-37.7pp | 67.9%-49.7pp | 67.9%-49.7pp |
| Annual return | -16.52% | 1.73%-18.2pp | 42.35%-58.9pp | -7.85%-8.7pp |
| Employer contribution / active EE | $488 | $1,650-70.4% | $2,814-82.7% | $2,597-81.2% |
| Participant deferral / active EE | $1,532 | $2,963-48.3% | $4,429-65.4% | $4,028-62.0% |
| Admin fee / account holder | $1,056 | $3,041-65.3% | $5,428-80.6% | $5,404-80.5% |