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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 | $32,614 | $71,873-54.6% | $86,698-62.4% | $68,490-52.4% |
| Participation rate | 49.4% | 72.2%-22.9pp | 76.6%-27.2pp | 67.9%-18.5pp |
| Annual return | -16.08% | 3.54%-19.6pp | 35.96%-52.0pp | -7.85%-8.2pp |
| Employer contribution / active EE | $917 | $2,173-57.8% | $2,837-67.7% | $2,597-64.7% |
| Participant deferral / active EE | $2,148 | $3,779-43.2% | $4,656-53.9% | $4,028-46.7% |
| Admin fee / account holder | $18,510 | $6,110+202.9% | $7,492+147.1% | $5,403+242.6% |