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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 | $47,982 | $42,383+13.2% | $76,518-37.3% | $64,173-25.2% |
| Participation rate | 33.3% | 58.1%-24.8pp | 68.0%-34.7pp | 69.6%-36.2pp |
| Annual return | -6.58% | -16.54%+10.0pp | -0.27%-6.3pp | 7.63%-14.2pp |
| Employer contribution / active EE | $925 | $1,563-40.8% | $2,647-65.0% | $2,381-61.1% |
| Participant deferral / active EE | $1,705 | $2,566-33.6% | $3,836-55.5% | $3,470-50.9% |
| Admin fee / account holder | $3,629 | $3,198+13.5% | $4,849-25.2% | $4,887-25.7% |