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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 | $13,491 | $73,848-81.7% | $143,799-90.6% | $68,486-80.3% |
| Participation rate | 53.3% | 66.7%-13.3pp | 80.3%-27.0pp | 67.9%-14.6pp |
| Annual return | -15.44% | 0.91%-16.4pp | -0.04%-15.4pp | -7.85%-7.6pp |
| Employer contribution / active EE | $0 | $3,184-100.0% | $4,952-100.0% | $2,597-100.0% |
| Participant deferral / active EE | $1,859 | $3,385-45.1% | $5,638-67.0% | $4,028-53.9% |
| Admin fee / account holder | $11,222 | $5,755+95.0% | $14,677-23.5% | $5,404+107.7% |