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 | $36,150 | $59,819-39.6% | $79,591-54.6% | $68,494-47.2% |
| Participation rate | 41.4% | 61.1%-19.7pp | 69.5%-28.1pp | 67.9%-26.5pp |
| Annual return | -14.52% | -12.30%-2.2pp | 0.18%-14.7pp | -7.86%-6.7pp |
| Employer contribution / active EE | $575 | $1,505-61.8% | $2,413-76.2% | $2,597-77.8% |
| Participant deferral / active EE | $1,530 | $3,025-49.4% | $3,986-61.6% | $4,028-62.0% |
| Admin fee / account holder | $3,428 | $4,835-29.1% | $6,815-49.7% | $5,403-36.6% |