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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 | $41,400 | $49,280-16.0% | $67,313-38.5% | $64,173-35.5% |
| Participation rate | 43.5% | 60.8%-17.3pp | 69.1%-25.6pp | 69.6%-26.1pp |
| Annual return | -4.73% | -1.39%-3.3pp | -4.08%-0.7pp | 7.63%-12.4pp |
| Employer contribution / active EE | $891 | $1,668-46.6% | $2,566-65.3% | $2,381-62.6% |
| Participant deferral / active EE | $1,810 | $2,484-27.1% | $3,568-49.3% | $3,470-47.8% |
| Admin fee / account holder | $16,442 | $3,863+325.7% | $4,507+264.8% | $4,887+236.4% |