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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 | $44,110 | $59,819-26.3% | $79,583-44.6% | $68,490-35.6% |
| Participation rate | 63.6% | 61.1%+2.6pp | 69.5%-5.9pp | 67.9%-4.3pp |
| Annual return | -13.01% | -12.30%-0.7pp | 0.16%-13.2pp | -7.85%-5.2pp |
| Employer contribution / active EE | $1,060 | $1,505-29.6% | $2,414-56.1% | $2,597-59.2% |
| Participant deferral / active EE | $2,649 | $3,025-12.4% | $3,986-33.5% | $4,028-34.2% |
| Admin fee / account holder | $24,847 | $4,835+413.9% | $6,835+263.5% | $5,403+359.9% |