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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 | $48,783 | $45,872+6.3% | $77,096-36.7% | $68,486-28.8% |
| Participation rate | 31.0% | 55.9%-24.9pp | 67.9%-36.9pp | 67.9%-36.9pp |
| Annual return | -18.47% | 1.73%-20.2pp | 42.35%-60.8pp | -7.85%-10.6pp |
| Employer contribution / active EE | $708 | $1,650-57.1% | $2,814-74.8% | $2,597-72.7% |
| Participant deferral / active EE | $2,233 | $2,963-24.6% | $4,429-49.6% | $4,028-44.6% |
| Admin fee / account holder | $349 | $3,041-88.5% | $5,428-93.6% | $5,404-93.5% |