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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 | $76,492 | $45,872+66.8% | $77,100-0.8% | $68,490+11.7% |
| Participation rate | 50.8% | 55.9%-5.2pp | 67.9%-17.2pp | 67.9%-17.1pp |
| Annual return | -13.44% | 1.73%-15.2pp | 42.35%-55.8pp | -7.85%-5.6pp |
| Employer contribution / active EE | $716 | $1,650-56.6% | $2,815-74.6% | $2,597-72.4% |
| Participant deferral / active EE | $2,869 | $2,963-3.1% | $4,430-35.2% | $4,028-28.8% |
| Admin fee / account holder | $3,818 | $3,041+25.5% | $5,443-29.9% | $5,403-29.3% |