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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 | $54,167 | $48,235+12.3% | $68,803-21.3% | $68,490-20.9% |
| Participation rate | 24.4% | 60.7%-36.3pp | 69.0%-44.6pp | 67.9%-43.5pp |
| Annual return | -16.50% | -12.70%-3.8pp | -6.37%-10.1pp | -7.85%-8.6pp |
| Employer contribution / active EE | $331 | $1,829-81.9% | $2,656-87.5% | $2,597-87.2% |
| Participant deferral / active EE | $1,544 | $2,867-46.1% | $3,942-60.8% | $4,028-61.7% |
| Admin fee / account holder | $4,508 | $4,361+3.4% | $4,936-8.7% | $5,403-16.6% |