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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 | $49,284 | $45,872+7.4% | $77,096-36.1% | $68,486-28.0% |
| Participation rate | 37.1% | 55.9%-18.8pp | 67.9%-30.8pp | 67.9%-30.8pp |
| Annual return | -15.57% | 1.73%-17.3pp | 42.35%-57.9pp | -7.85%-7.7pp |
| Employer contribution / active EE | $250 | $1,650-84.9% | $2,814-91.1% | $2,597-90.4% |
| Participant deferral / active EE | $2,098 | $2,963-29.2% | $4,429-52.6% | $4,028-47.9% |
| Admin fee / account holder | $2,724 | $3,041-10.4% | $5,428-49.8% | $5,404-49.6% |