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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 | $35,884 | $33,067+8.5% | $76,518-53.1% | $56,289-36.3% |
| Participation rate | 18.4% | 55.4%-37.0pp | 68.0%-49.6pp | 69.9%-51.4pp |
| Annual return | -7.69% | 2.72%-10.4pp | -0.27%-7.4pp | -9.96%+2.3pp |
| Employer contribution / active EE | $324 | $1,200-73.0% | $2,647-87.8% | $2,111-84.7% |
| Participant deferral / active EE | $947 | $2,240-57.7% | $3,836-75.3% | $3,350-71.7% |
| Admin fee / account holder | $6,814 | $537+1169.0% | $4,849+40.5% | $521+1207.9% |