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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 | $46,653 | $50,199-7.1% | $70,098-33.4% | $66,930-30.3% |
| Participation rate | 31.1% | 66.3%-35.3pp | 70.5%-39.4pp | 69.8%-38.7pp |
| Annual return | -14.08% | -13.85%-0.2pp | 190.76%-204.8pp | 1.57%-15.7pp |
| Employer contribution / active EE | $999 | $1,864-46.4% | $2,560-61.0% | $2,545-60.7% |
| Participant deferral / active EE | $2,012 | $3,112-35.3% | $3,849-47.7% | $4,238-52.5% |
| Admin fee / account holder | $4,064 | $600+577.7% | $6,266-35.1% | $593+584.9% |