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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 | $53,701 | $59,186-9.3% | $76,766-30.0% | $56,287-4.6% |
| Participation rate | 67.9% | 75.2%-7.3pp | 77.0%-9.1pp | 69.9%-2.0pp |
| Annual return | -4.94% | 6.62%-11.6pp | 2.43%-7.4pp | -9.96%+5.0pp |
| Employer contribution / active EE | $736 | $1,759-58.1% | $2,485-70.4% | $2,111-65.1% |
| Participant deferral / active EE | $1,807 | $3,255-44.5% | $3,851-53.1% | $3,350-46.1% |
| Admin fee / account holder | $5,026 | $489+927.5% | $6,675-24.7% | $521+864.7% |