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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 | $63,566 | $45,872+38.6% | $77,096-17.5% | $68,486-7.2% |
| Participation rate | 40.7% | 55.9%-15.3pp | 67.9%-27.3pp | 67.9%-27.2pp |
| Annual return | -18.54% | 1.73%-20.3pp | 42.35%-60.9pp | -7.85%-10.7pp |
| Employer contribution / active EE | $1,136 | $1,650-31.1% | $2,814-59.6% | $2,597-56.3% |
| Participant deferral / active EE | $3,160 | $2,963+6.7% | $4,429-28.6% | $4,028-21.5% |
| Admin fee / account holder | $411 | $3,041-86.5% | $5,428-92.4% | $5,404-92.4% |