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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 | $49,470 | $49,280+0.4% | $67,313-26.5% | $64,181-22.9% |
| Participation rate | 40.0% | 60.8%-20.8pp | 69.1%-29.1pp | 69.6%-29.6pp |
| Annual return | -4.41% | -1.39%-3.0pp | -4.08%-0.3pp | 7.63%-12.0pp |
| Employer contribution / active EE | $820 | $1,668-50.9% | $2,566-68.0% | $2,381-65.6% |
| Participant deferral / active EE | $2,347 | $2,484-5.5% | $3,568-34.2% | $3,470-32.4% |
| Admin fee / account holder | $6,833 | $3,863+76.9% | $4,507+51.6% | $4,887+39.8% |