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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 | $46,757 | $47,944-2.5% | $67,834-31.1% | $62,881-25.6% |
| Participation rate | 42.4% | 61.1%-18.6pp | 68.8%-26.4pp | 69.3%-26.9pp |
| Annual return | 6.31% | 11.77%-5.5pp | 138.47%-132.2pp | 20.14%-13.8pp |
| Employer contribution / active EE | $280 | $1,562-82.1% | $2,403-88.4% | $2,281-87.7% |
| Participant deferral / active EE | $1,424 | $2,247-36.6% | $3,160-54.9% | $3,203-55.6% |
| Admin fee / account holder | $14,298 | $3,712+285.2% | $4,622+209.3% | $4,296+232.8% |