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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 | $51,986 | $59,813-13.1% | $79,580-34.7% | $68,486-24.1% |
| Participation rate | 38.7% | 61.1%-22.4pp | 69.5%-30.8pp | 67.9%-29.2pp |
| Annual return | -16.42% | -12.30%-4.1pp | 0.15%-16.6pp | -7.85%-8.6pp |
| Employer contribution / active EE | $402 | $1,505-73.3% | $2,413-83.3% | $2,597-84.5% |
| Participant deferral / active EE | $1,308 | $3,024-56.8% | $3,985-67.2% | $4,028-67.5% |
| Admin fee / account holder | $15,106 | $4,835+212.4% | $6,835+121.0% | $5,404+179.5% |