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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 | $44,391 | $42,548+4.3% | $74,551-40.5% | $56,289-21.1% |
| Participation rate | 33.9% | 60.5%-26.5pp | 69.1%-35.2pp | 69.9%-35.9pp |
| Annual return | -7.05% | 12.40%-19.4pp | 32.53%-39.6pp | -9.96%+2.9pp |
| Employer contribution / active EE | $732 | $855-14.4% | $1,961-62.7% | $2,111-65.3% |
| Participant deferral / active EE | $1,596 | $2,277-29.9% | $3,108-48.7% | $3,350-52.4% |
| Admin fee / account holder | $5,267 | $467+1027.5% | $5,059+4.1% | $521+911.0% |