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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 | $38,422 | $50,199-23.5% | $69,890-45.0% | $66,949-42.6% |
| Participation rate | 51.7% | 66.3%-14.7pp | 70.5%-18.8pp | 69.8%-18.2pp |
| Annual return | -17.25% | -13.85%-3.4pp | 190.84%-208.1pp | 1.57%-18.8pp |
| Employer contribution / active EE | $1,309 | $1,864-29.8% | $2,560-48.9% | $2,545-48.6% |
| Participant deferral / active EE | $2,534 | $3,112-18.6% | $3,848-34.2% | $4,239-40.2% |
| Admin fee / account holder | $1,504 | $600+150.8% | $6,267-76.0% | $594+153.5% |