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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 | $34,737 | $59,813-41.9% | $79,580-56.3% | $68,486-49.3% |
| Participation rate | 45.5% | 61.1%-15.6pp | 69.5%-24.0pp | 67.9%-22.4pp |
| Annual return | -16.07% | -12.30%-3.8pp | 0.15%-16.2pp | -7.85%-8.2pp |
| Employer contribution / active EE | $914 | $1,505-39.3% | $2,413-62.1% | $2,597-64.8% |
| Participant deferral / active EE | $1,942 | $3,024-35.8% | $3,985-51.3% | $4,028-51.8% |
| Admin fee / account holder | $3,771 | $4,835-22.0% | $6,835-44.8% | $5,404-30.2% |