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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 | $34,944 | $59,834-41.6% | $79,576-56.1% | $68,495-49.0% |
| Participation rate | 44.4% | 61.1%-16.6pp | 69.5%-25.0pp | 67.9%-23.4pp |
| Annual return | -16.59% | -12.30%-4.3pp | 0.15%-16.7pp | -7.84%-8.7pp |
| Employer contribution / active EE | $0 | $1,505-100.0% | $2,413-100.0% | $2,596-100.0% |
| Participant deferral / active EE | $1,955 | $3,024-35.4% | $3,985-51.0% | $4,028-51.5% |
| Admin fee / account holder | $604 | $4,835-87.5% | $6,834-91.2% | $5,403-88.8% |