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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 | $42,724 | $64,729-34.0% | $112,263-61.9% | $68,490-37.6% |
| Participation rate | 41.4% | 67.2%-25.8pp | 75.1%-33.7pp | 67.9%-26.5pp |
| Annual return | -12.83% | -11.40%-1.4pp | 27.49%-40.3pp | -7.85%-5.0pp |
| Employer contribution / active EE | $1,357 | $2,746-50.6% | $3,636-62.7% | $2,597-47.7% |
| Participant deferral / active EE | $2,550 | $3,566-28.5% | $4,729-46.1% | $4,028-36.7% |
| Admin fee / account holder | $11,907 | $5,222+128.0% | $6,410+85.7% | $5,403+120.4% |