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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 | $53,257 | $81,870-34.9% | $119,634-55.5% | $68,490-22.2% |
| Participation rate | 46.3% | 71.9%-25.6pp | 79.3%-32.9pp | 67.9%-21.6pp |
| Annual return | -13.34% | -23.82%+10.5pp | -14.98%+1.6pp | -7.85%-5.5pp |
| Employer contribution / active EE | $869 | $2,692-67.7% | $4,232-79.5% | $2,597-66.5% |
| Participant deferral / active EE | $2,843 | $4,148-31.5% | $5,601-49.2% | $4,028-29.4% |
| Admin fee / account holder | $1,123 | $6,583-82.9% | $10,329-89.1% | $5,403-79.2% |