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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 | $43,599 | $42,383+2.9% | $76,518-43.0% | $64,173-32.1% |
| Participation rate | 48.5% | 58.1%-9.7pp | 68.0%-19.5pp | 69.6%-21.1pp |
| Annual return | -3.81% | -16.54%+12.7pp | -0.27%-3.5pp | 7.63%-11.4pp |
| Employer contribution / active EE | $757 | $1,563-51.6% | $2,647-71.4% | $2,381-68.2% |
| Participant deferral / active EE | $2,098 | $2,566-18.2% | $3,836-45.3% | $3,470-39.5% |
| Admin fee / account holder | $2,269 | $3,198-29.1% | $4,849-53.2% | $4,887-53.6% |