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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 | $59,997 | $48,235+24.4% | $68,803-12.8% | $68,490-12.4% |
| Participation rate | 45.9% | 60.7%-14.7pp | 69.0%-23.1pp | 67.9%-22.0pp |
| Annual return | -17.21% | -12.70%-4.5pp | -6.37%-10.8pp | -7.85%-9.4pp |
| Employer contribution / active EE | $657 | $1,829-64.1% | $2,656-75.3% | $2,597-74.7% |
| Participant deferral / active EE | $2,178 | $2,867-24.0% | $3,942-44.8% | $4,028-45.9% |
| Admin fee / account holder | $9,799 | $4,361+124.7% | $4,936+98.5% | $5,403+81.4% |