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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 | $50,349 | $45,872+9.8% | $77,100-34.7% | $68,490-26.5% |
| Participation rate | 32.4% | 55.9%-23.6pp | 67.9%-35.6pp | 67.9%-35.5pp |
| Annual return | -19.18% | 1.73%-20.9pp | 42.35%-61.5pp | -7.85%-11.3pp |
| Employer contribution / active EE | $760 | $1,650-53.9% | $2,815-73.0% | $2,597-70.7% |
| Participant deferral / active EE | $1,860 | $2,963-37.2% | $4,430-58.0% | $4,028-53.8% |
| Admin fee / account holder | $1,106 | $3,041-63.6% | $5,443-79.7% | $5,403-79.5% |