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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 | $69,550 | $73,848-5.8% | $143,799-51.6% | $68,486+1.6% |
| Participation rate | 37.1% | 66.7%-29.6pp | 80.3%-43.2pp | 67.9%-30.8pp |
| Annual return | -16.89% | 0.91%-17.8pp | -0.04%-16.8pp | -7.85%-9.0pp |
| Employer contribution / active EE | $692 | $3,184-78.3% | $4,952-86.0% | $2,597-73.4% |
| Participant deferral / active EE | $1,101 | $3,385-67.5% | $5,638-80.5% | $4,028-72.7% |
| Admin fee / account holder | $12,263 | $5,755+113.1% | $14,677-16.5% | $5,404+126.9% |