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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 | $51,808 | $67,411-23.1% | $91,004-43.1% | $70,126-26.1% |
| Participation rate | 56.5% | 71.4%-14.8pp | 75.6%-19.1pp | 69.5%-13.0pp |
| Annual return | 12.50% | -40.16%+52.7pp | 4.60%+7.9pp | 73.15%-60.6pp |
| Employer contribution / active EE | $545 | $1,786-69.5% | $2,456-77.8% | $2,343-76.7% |
| Participant deferral / active EE | $1,470 | $2,823-47.9% | $3,548-58.6% | $3,332-55.9% |
| Admin fee / account holder | $9,587 | $4,236+126.3% | $5,417+77.0% | $4,645+106.4% |