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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 | $46,694 | $45,872+1.8% | $77,081-39.4% | $68,495-31.8% |
| Participation rate | 37.8% | 55.9%-18.1pp | 67.9%-30.1pp | 67.9%-30.1pp |
| Annual return | -15.71% | 1.73%-17.4pp | 42.33%-58.0pp | -7.84%-7.9pp |
| Employer contribution / active EE | $715 | $1,650-56.6% | $2,813-74.6% | $2,596-72.5% |
| Participant deferral / active EE | $998 | $2,963-66.3% | $4,428-77.5% | $4,028-75.2% |
| Admin fee / account holder | $5,662 | $3,041+86.2% | $5,427+4.3% | $5,403+4.8% |