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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 | $53,050 | $62,583-15.2% | $76,767-30.9% | $64,173-17.3% |
| Participation rate | 38.6% | 72.8%-34.2pp | 77.0%-38.4pp | 69.6%-31.0pp |
| Annual return | -5.08% | -1.95%-3.1pp | 2.43%-7.5pp | 7.63%-12.7pp |
| Employer contribution / active EE | $981 | $1,832-46.4% | $2,485-60.5% | $2,381-58.8% |
| Participant deferral / active EE | $1,791 | $3,145-43.0% | $3,852-53.5% | $3,470-48.4% |
| Admin fee / account holder | $8,848 | $4,667+89.6% | $6,675+32.6% | $4,887+81.0% |