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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 | $51,552 | $59,834-13.8% | $79,576-35.2% | $68,495-24.7% |
| Participation rate | 46.9% | 61.1%-14.2pp | 69.5%-22.6pp | 67.9%-21.0pp |
| Annual return | -17.74% | -12.30%-5.4pp | 0.15%-17.9pp | -7.84%-9.9pp |
| Employer contribution / active EE | $959 | $1,505-36.2% | $2,413-60.2% | $2,596-63.0% |
| Participant deferral / active EE | $2,348 | $3,024-22.4% | $3,985-41.1% | $4,028-41.7% |
| Admin fee / account holder | $6,767 | $4,835+40.0% | $6,834-1.0% | $5,403+25.2% |