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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 | $54,581 | $81,900-33.4% | $119,615-54.4% | $68,498-20.3% |
| Participation rate | 43.9% | 71.9%-28.0pp | 79.3%-35.4pp | 67.9%-24.0pp |
| Annual return | -16.69% | -23.82%+7.1pp | -14.98%-1.7pp | -7.84%-8.9pp |
| Employer contribution / active EE | $1,084 | $2,693-59.8% | $4,232-74.4% | $2,596-58.3% |
| Participant deferral / active EE | $3,041 | $4,148-26.7% | $5,602-45.7% | $4,027-24.5% |
| Admin fee / account holder | $12,712 | $6,582+93.1% | $10,324+23.1% | $5,403+135.3% |