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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 | $32,092 | $59,813-46.3% | $79,580-59.7% | $68,486-53.1% |
| Participation rate | 32.8% | 61.1%-28.2pp | 69.5%-36.7pp | 67.9%-35.1pp |
| Annual return | -17.33% | -12.30%-5.0pp | 0.15%-17.5pp | -7.85%-9.5pp |
| Employer contribution / active EE | $1,137 | $1,505-24.5% | $2,413-52.9% | $2,597-56.2% |
| Participant deferral / active EE | $2,553 | $3,024-15.6% | $3,985-35.9% | $4,028-36.6% |
| Admin fee / account holder | $13,727 | $4,835+183.9% | $6,835+100.8% | $5,404+154.0% |