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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 | $62,695 | $59,819+4.8% | $79,583-21.2% | $68,490-8.5% |
| Participation rate | 39.2% | 61.1%-21.9pp | 69.5%-30.3pp | 67.9%-28.7pp |
| Annual return | -16.26% | -12.30%-4.0pp | 0.16%-16.4pp | -7.85%-8.4pp |
| Employer contribution / active EE | $507 | $1,505-66.3% | $2,414-79.0% | $2,597-80.5% |
| Participant deferral / active EE | $2,841 | $3,025-6.1% | $3,986-28.7% | $4,028-29.5% |
| Admin fee / account holder | $73,221 | $4,835+1414.3% | $6,835+971.2% | $5,403+1255.2% |