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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 | $56,606 | $59,813-5.4% | $79,580-28.9% | $68,486-17.3% |
| Participation rate | 38.2% | 61.1%-22.8pp | 69.5%-31.3pp | 67.9%-29.7pp |
| Annual return | -17.06% | -12.30%-4.8pp | 0.15%-17.2pp | -7.85%-9.2pp |
| Employer contribution / active EE | $1,293 | $1,505-14.1% | $2,413-46.4% | $2,597-50.2% |
| Participant deferral / active EE | $2,410 | $3,024-20.3% | $3,985-39.5% | $4,028-40.2% |
| Admin fee / account holder | $13,610 | $4,835+181.5% | $6,835+99.1% | $5,404+151.9% |