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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 | $42,959 | $59,819-28.2% | $79,583-46.0% | $68,490-37.3% |
| Participation rate | 44.7% | 61.1%-16.3pp | 69.5%-24.8pp | 67.9%-23.2pp |
| Annual return | -18.09% | -12.30%-5.8pp | 0.16%-18.3pp | -7.85%-10.2pp |
| Employer contribution / active EE | $0 | $1,505-100.0% | $2,414-100.0% | $2,597-100.0% |
| Participant deferral / active EE | $1,934 | $3,025-36.1% | $3,986-51.5% | $4,028-52.0% |
| Admin fee / account holder | $402 | $4,835-91.7% | $6,835-94.1% | $5,403-92.6% |