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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 | $28,955 | $81,870-64.6% | $119,622-75.8% | $68,486-57.7% |
| Participation rate | 35.7% | 71.9%-36.2pp | 79.3%-43.5pp | 67.9%-32.2pp |
| Annual return | -18.46% | -23.82%+5.4pp | -14.98%-3.5pp | -7.85%-10.6pp |
| Employer contribution / active EE | $906 | $2,692-66.3% | $4,232-78.6% | $2,597-65.1% |
| Participant deferral / active EE | $2,102 | $4,148-49.3% | $5,601-62.5% | $4,028-47.8% |
| Admin fee / account holder | $9,425 | $6,583+43.2% | $10,328-8.7% | $5,404+74.4% |