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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 | $43,361 | $64,729-33.0% | $112,263-61.4% | $68,490-36.7% |
| Participation rate | 20.5% | 67.2%-46.7pp | 75.1%-54.6pp | 67.9%-47.4pp |
| Annual return | -10.56% | -11.40%+0.8pp | 27.49%-38.0pp | -7.85%-2.7pp |
| Employer contribution / active EE | $907 | $2,746-67.0% | $3,636-75.1% | $2,597-65.1% |
| Participant deferral / active EE | $1,583 | $3,566-55.6% | $4,729-66.5% | $4,028-60.7% |
| Admin fee / account holder | $38,690 | $5,222+640.9% | $6,410+503.6% | $5,403+616.1% |