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 | $26,497 | $42,548-37.7% | $74,549-64.5% | $56,289-52.9% |
| Participation rate | 47.1% | 60.5%-13.4pp | 69.1%-22.0pp | 69.9%-22.7pp |
| Annual return | -2.15% | 12.40%-14.6pp | 32.54%-34.7pp | -9.96%+7.8pp |
| Employer contribution / active EE | $554 | $855-35.2% | $1,961-71.7% | $2,111-73.7% |
| Participant deferral / active EE | $1,493 | $2,277-34.5% | $3,108-52.0% | $3,350-55.4% |
| Admin fee / account holder | $4,901 | $467+949.1% | $5,059-3.1% | $521+840.8% |