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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 | $29,668 | $73,863-59.8% | $143,797-79.4% | $68,490-56.7% |
| Participation rate | 39.3% | 66.7%-27.4pp | 80.3%-41.0pp | 67.9%-28.6pp |
| Annual return | -12.71% | 0.91%-13.6pp | -0.04%-12.7pp | -7.85%-4.9pp |
| Employer contribution / active EE | $1,105 | $3,185-65.3% | $4,952-77.7% | $2,597-57.4% |
| Participant deferral / active EE | $2,773 | $3,385-18.1% | $5,638-50.8% | $4,028-31.1% |
| Admin fee / account holder | $10,133 | $5,756+76.0% | $14,679-31.0% | $5,403+87.6% |