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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 | $51,345 | $45,872+11.9% | $77,096-33.4% | $68,486-25.0% |
| Participation rate | 47.1% | 55.9%-8.9pp | 67.9%-20.9pp | 67.9%-20.8pp |
| Annual return | -11.54% | 1.73%-13.3pp | 42.35%-53.9pp | -7.85%-3.7pp |
| Employer contribution / active EE | $290 | $1,650-82.4% | $2,814-89.7% | $2,597-88.8% |
| Participant deferral / active EE | $1,922 | $2,963-35.1% | $4,429-56.6% | $4,028-52.3% |
| Admin fee / account holder | $13,772 | $3,041+352.9% | $5,428+153.7% | $5,404+154.9% |