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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 | $49,003 | $59,819-18.1% | $79,583-38.4% | $68,490-28.5% |
| Participation rate | 57.1% | 61.1%-3.9pp | 69.5%-12.3pp | 67.9%-10.8pp |
| Annual return | -15.18% | -12.30%-2.9pp | 0.16%-15.3pp | -7.85%-7.3pp |
| Employer contribution / active EE | $686 | $1,505-54.4% | $2,414-71.6% | $2,597-73.6% |
| Participant deferral / active EE | $3,233 | $3,025+6.9% | $3,986-18.9% | $4,028-19.7% |
| Admin fee / account holder | $6,969 | $4,835+44.1% | $6,835+2.0% | $5,403+29.0% |