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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 | $68,631 | $73,009-6.0% | $90,760-24.4% | $68,486+0.2% |
| Participation rate | 46.9% | 70.8%-23.9pp | 75.7%-28.8pp | 67.9%-21.0pp |
| Annual return | -12.79% | -13.81%+1.0pp | -12.16%-0.6pp | -7.85%-4.9pp |
| Employer contribution / active EE | $727 | $2,193-66.8% | $2,922-75.1% | $2,597-72.0% |
| Participant deferral / active EE | $2,501 | $3,626-31.0% | $4,565-45.2% | $4,028-37.9% |
| Admin fee / account holder | $40,289 | $5,896+583.4% | $8,444+377.1% | $5,404+645.6% |