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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 | $104,749 | $59,834+75.1% | $79,576+31.6% | $68,495+52.9% |
| Participation rate | 35.5% | 61.1%-25.6pp | 69.5%-34.0pp | 67.9%-32.4pp |
| Annual return | -16.53% | -12.30%-4.2pp | 0.15%-16.7pp | -7.84%-8.7pp |
| Employer contribution / active EE | $697 | $1,505-53.7% | $2,413-71.1% | $2,596-73.2% |
| Participant deferral / active EE | $2,392 | $3,024-20.9% | $3,985-40.0% | $4,028-40.6% |
| Admin fee / account holder | $13,727 | $4,835+183.9% | $6,834+100.9% | $5,403+154.0% |