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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 | $69,482 | $46,697+48.8% | $117,533-40.9% | $68,486+1.5% |
| Participation rate | 21.7% | 56.8%-35.0pp | 70.6%-48.9pp | 67.9%-46.2pp |
| Annual return | -16.82% | -14.52%-2.3pp | 29.77%-46.6pp | -7.85%-9.0pp |
| Employer contribution / active EE | $617 | $1,506-59.0% | $4,179-85.2% | $2,597-76.2% |
| Participant deferral / active EE | $917 | $2,637-65.2% | $4,072-77.5% | $4,028-77.2% |
| Admin fee / account holder | $798 | $4,023-80.2% | $5,647-85.9% | $5,404-85.2% |