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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 | $35,222 | $59,819-41.1% | $79,583-55.7% | $68,490-48.6% |
| Participation rate | 48.8% | 61.1%-12.3pp | 69.5%-20.7pp | 67.9%-19.1pp |
| Annual return | -18.24% | -12.30%-5.9pp | 0.16%-18.4pp | -7.85%-10.4pp |
| Employer contribution / active EE | $402 | $1,505-73.3% | $2,414-83.3% | $2,597-84.5% |
| Participant deferral / active EE | $2,561 | $3,025-15.3% | $3,986-35.8% | $4,028-36.4% |
| Admin fee / account holder | $3,343 | $4,835-30.9% | $6,835-51.1% | $5,403-38.1% |