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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 | $42,002 | $45,872-8.4% | $77,081-45.5% | $68,495-38.7% |
| Participation rate | 31.9% | 55.9%-24.0pp | 67.9%-36.0pp | 67.9%-36.0pp |
| Annual return | -15.88% | 1.73%-17.6pp | 42.33%-58.2pp | -7.84%-8.0pp |
| Employer contribution / active EE | $527 | $1,650-68.1% | $2,813-81.3% | $2,596-79.7% |
| Participant deferral / active EE | $1,834 | $2,963-38.1% | $4,428-58.6% | $4,028-54.5% |
| Admin fee / account holder | $770 | $3,041-74.7% | $5,427-85.8% | $5,403-85.7% |