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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 | $47,143 | $45,872+2.8% | $77,096-38.9% | $68,486-31.2% |
| Participation rate | 27.0% | 55.9%-28.9pp | 67.9%-40.9pp | 67.9%-40.9pp |
| Annual return | -19.44% | 1.73%-21.2pp | 42.35%-61.8pp | -7.85%-11.6pp |
| Employer contribution / active EE | $601 | $1,650-63.6% | $2,814-78.6% | $2,597-76.9% |
| Participant deferral / active EE | $1,866 | $2,963-37.0% | $4,429-57.9% | $4,028-53.7% |
| Admin fee / account holder | $1,185 | $3,041-61.0% | $5,428-78.2% | $5,404-78.1% |