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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 | $109,417 | $81,870+33.6% | $119,622-8.5% | $68,486+59.8% |
| Participation rate | 34.9% | 71.9%-37.0pp | 79.3%-44.3pp | 67.9%-33.0pp |
| Annual return | -13.63% | -23.82%+10.2pp | -14.98%+1.4pp | -7.85%-5.8pp |
| Employer contribution / active EE | $0 | $2,692-100.0% | $4,232-100.0% | $2,597-100.0% |
| Participant deferral / active EE | $2,326 | $4,148-43.9% | $5,601-58.5% | $4,028-42.3% |
| Admin fee / account holder | $26,579 | $6,583+303.7% | $10,328+157.3% | $5,404+391.8% |