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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 | $30,318 | $46,697-35.1% | $117,529-74.2% | $68,490-55.7% |
| Participation rate | 50.9% | 56.8%-5.8pp | 70.6%-19.7pp | 67.9%-17.0pp |
| Annual return | -14.82% | -14.52%-0.3pp | 29.77%-44.6pp | -7.85%-7.0pp |
| Employer contribution / active EE | $823 | $1,506-45.3% | $4,179-80.3% | $2,597-68.3% |
| Participant deferral / active EE | $3,364 | $2,637+27.6% | $4,072-17.4% | $4,028-16.5% |
| Admin fee / account holder | $14,732 | $4,023+266.2% | $5,645+161.0% | $5,403+172.7% |