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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 | $35,696 | $59,819-40.3% | $79,583-55.1% | $68,490-47.9% |
| Participation rate | 38.2% | 61.1%-22.9pp | 69.5%-31.3pp | 67.9%-29.7pp |
| Annual return | -12.04% | -12.30%+0.3pp | 0.16%-12.2pp | -7.85%-4.2pp |
| Employer contribution / active EE | $0 | $1,505-100.0% | $2,414-100.0% | $2,597-100.0% |
| Participant deferral / active EE | $2,182 | $3,025-27.9% | $3,986-45.2% | $4,028-45.8% |
| Admin fee / account holder | $5,109 | $4,835+5.7% | $6,835-25.3% | $5,403-5.4% |