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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 | $30,949 | $65,092-52.5% | $143,799-78.5% | $66,938-53.8% |
| Participation rate | 35.6% | 65.2%-29.6pp | 80.3%-44.7pp | 69.8%-34.2pp |
| Annual return | -15.11% | -11.14%-4.0pp | -0.04%-15.1pp | 1.58%-16.7pp |
| Employer contribution / active EE | $1,348 | $2,362-42.9% | $4,952-72.8% | $2,545-47.1% |
| Participant deferral / active EE | $2,598 | $2,920-11.0% | $5,638-53.9% | $4,238-38.7% |
| Admin fee / account holder | $3,267 | $502+550.2% | $14,677-77.7% | $594+450.4% |