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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 | $55,598 | $73,839-24.7% | $143,788-61.3% | $68,495-18.8% |
| Participation rate | 27.9% | 66.7%-38.8pp | 80.3%-52.4pp | 67.9%-40.0pp |
| Annual return | -16.77% | 1.01%-17.8pp | -0.03%-16.7pp | -7.84%-8.9pp |
| Employer contribution / active EE | $930 | $3,184-70.8% | $4,952-81.2% | $2,596-64.2% |
| Participant deferral / active EE | $2,533 | $3,384-25.2% | $5,638-55.1% | $4,028-37.1% |
| Admin fee / account holder | $6,120 | $5,755+6.4% | $14,675-58.3% | $5,403+13.3% |