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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 | $75,884 | $42,383+79.0% | $76,518-0.8% | $64,173+18.2% |
| Participation rate | 19.4% | 58.1%-38.8pp | 68.0%-48.6pp | 69.6%-50.2pp |
| Annual return | -4.16% | -16.54%+12.4pp | -0.27%-3.9pp | 7.63%-11.8pp |
| Employer contribution / active EE | $406 | $1,563-74.0% | $2,647-84.7% | $2,381-82.9% |
| Participant deferral / active EE | $1,870 | $2,566-27.1% | $3,836-51.2% | $3,470-46.1% |
| Admin fee / account holder | $1,077 | $3,198-66.3% | $4,849-77.8% | $4,887-78.0% |