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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 | $54,275 | $53,162+2.1% | $91,225-40.5% | $68,486-20.8% |
| Participation rate | 38.8% | 63.2%-24.4pp | 73.2%-34.4pp | 67.9%-29.1pp |
| Annual return | -14.25% | -3.14%-11.1pp | 114.12%-128.4pp | -7.85%-6.4pp |
| Employer contribution / active EE | $466 | $1,709-72.7% | $2,851-83.6% | $2,597-82.0% |
| Participant deferral / active EE | $1,267 | $2,974-57.4% | $4,233-70.1% | $4,028-68.5% |
| Admin fee / account holder | $2,075 | $4,493-53.8% | $5,422-61.7% | $5,404-61.6% |