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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 | $37,518 | $73,839-49.2% | $143,788-73.9% | $68,495-45.2% |
| Participation rate | 43.1% | 66.7%-23.6pp | 80.3%-37.2pp | 67.9%-24.8pp |
| Annual return | -16.83% | 1.01%-17.8pp | -0.03%-16.8pp | -7.84%-9.0pp |
| Employer contribution / active EE | $650 | $3,184-79.6% | $4,952-86.9% | $2,596-75.0% |
| Participant deferral / active EE | $2,309 | $3,384-31.8% | $5,638-59.0% | $4,028-42.7% |
| Admin fee / account holder | $20,810 | $5,755+261.6% | $14,675+41.8% | $5,403+285.1% |