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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 | $44,296 | $59,819-25.9% | $79,583-44.3% | $68,490-35.3% |
| Participation rate | 54.1% | 61.1%-7.0pp | 69.5%-15.4pp | 67.9%-13.8pp |
| Annual return | -11.75% | -12.30%+0.5pp | 0.16%-11.9pp | -7.85%-3.9pp |
| Employer contribution / active EE | $388 | $1,505-74.2% | $2,414-83.9% | $2,597-85.1% |
| Participant deferral / active EE | $1,410 | $3,025-53.4% | $3,986-64.6% | $4,028-65.0% |
| Admin fee / account holder | $12,484 | $4,835+158.2% | $6,835+82.6% | $5,403+131.1% |