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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 | $71,005 | $59,819+18.7% | $79,583-10.8% | $68,490+3.7% |
| Participation rate | 40.6% | 61.1%-20.4pp | 69.5%-28.9pp | 67.9%-27.3pp |
| Annual return | -16.80% | -12.30%-4.5pp | 0.16%-17.0pp | -7.85%-8.9pp |
| Employer contribution / active EE | $511 | $1,505-66.1% | $2,414-78.8% | $2,597-80.3% |
| Participant deferral / active EE | $1,435 | $3,025-52.6% | $3,986-64.0% | $4,028-64.4% |
| Admin fee / account holder | $3,719 | $4,835-23.1% | $6,835-45.6% | $5,403-31.2% |