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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 | $64,996 | $72,404-10.2% | $110,243-41.0% | $64,173+1.3% |
| Participation rate | 42.4% | 73.3%-30.9pp | 79.8%-37.4pp | 69.6%-27.1pp |
| Annual return | -3.90% | -6.29%+2.4pp | 314.76%-318.7pp | 7.63%-11.5pp |
| Employer contribution / active EE | $604 | $2,282-73.5% | $3,827-84.2% | $2,381-74.6% |
| Participant deferral / active EE | $2,393 | $3,469-31.0% | $4,672-48.8% | $3,470-31.0% |
| Admin fee / account holder | $10,828 | $5,664+91.2% | $8,548+26.7% | $4,887+121.5% |