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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 | $50,783 | $48,267+5.2% | $68,808-26.2% | $68,486-25.8% |
| Participation rate | 51.4% | 60.7%-9.2pp | 69.0%-17.6pp | 67.9%-16.5pp |
| Annual return | -16.50% | -12.70%-3.8pp | -6.37%-10.1pp | -7.85%-8.6pp |
| Employer contribution / active EE | $461 | $1,829-74.8% | $2,656-82.7% | $2,597-82.3% |
| Participant deferral / active EE | $1,982 | $2,867-30.9% | $3,942-49.7% | $4,028-50.8% |
| Admin fee / account holder | $9,338 | $4,362+114.0% | $4,936+89.2% | $5,404+72.8% |