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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 | $46,428 | $59,834-22.4% | $79,576-41.7% | $68,495-32.2% |
| Participation rate | 34.6% | 61.1%-26.4pp | 69.5%-34.9pp | 67.9%-33.3pp |
| Annual return | -13.89% | -12.30%-1.6pp | 0.15%-14.0pp | -7.84%-6.1pp |
| Employer contribution / active EE | $0 | $1,505-100.0% | $2,413-100.0% | $2,596-100.0% |
| Participant deferral / active EE | $1,343 | $3,024-55.6% | $3,985-66.3% | $4,028-66.6% |
| Admin fee / account holder | $6,359 | $4,835+31.5% | $6,834-7.0% | $5,403+17.7% |