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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 | $67,571 | $73,848-8.5% | $143,799-53.0% | $68,486-1.3% |
| Participation rate | 39.1% | 66.7%-27.6pp | 80.3%-41.3pp | 67.9%-28.8pp |
| Annual return | -17.32% | 0.91%-18.2pp | -0.04%-17.3pp | -7.85%-9.5pp |
| Employer contribution / active EE | $864 | $3,184-72.9% | $4,952-82.5% | $2,597-66.7% |
| Participant deferral / active EE | $1,644 | $3,385-51.4% | $5,638-70.8% | $4,028-59.2% |
| Admin fee / account holder | $29,829 | $5,755+418.3% | $14,677+103.2% | $5,404+452.0% |