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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 | $31,689 | $54,380-41.7% | $68,509-53.7% | $59,633-46.9% |
| Participation rate | 64.5% | 70.2%-5.7pp | 74.7%-10.2pp | 68.7%-4.2pp |
| Annual return | -1.49% | 2.83%-4.3pp | 8.27%-9.8pp | 2041.45%-2042.9pp |
| Employer contribution / active EE | $439 | $1,539-71.5% | $2,278-80.7% | $2,203-80.1% |
| Participant deferral / active EE | $1,365 | $2,643-48.4% | $3,382-59.7% | $3,192-57.2% |
| Admin fee / account holder | $12,989 | $3,885+234.3% | $5,275+146.3% | $4,297+202.3% |