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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 | $103,092 | $27,632+273.1% | $61,399+67.9% | $68,495+50.5% |
| Participation rate | 35.7% | 39.5%-3.8pp | 52.6%-16.9pp | 67.9%-32.2pp |
| Annual return | -16.63% | -13.24%-3.4pp | 338.81%-355.4pp | -7.84%-8.8pp |
| Employer contribution / active EE | $0 | $696-100.0% | $1,159-100.0% | $2,596-100.0% |
| Participant deferral / active EE | $1,882 | $1,264+49.0% | $2,124-11.4% | $4,028-53.3% |
| Admin fee / account holder | $4,630 | $2,010+130.3% | $2,131+117.3% | $5,403-14.3% |