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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 | $68,719 | $57,352+19.8% | $83,831-18.0% | $64,173+7.1% |
| Participation rate | 31.4% | 68.6%-37.2pp | 76.1%-44.7pp | 69.6%-38.1pp |
| Annual return | -1.62% | 11.38%-13.0pp | 850.99%-852.6pp | 7.63%-9.2pp |
| Employer contribution / active EE | $0 | $2,546-100.0% | $3,631-100.0% | $2,381-100.0% |
| Participant deferral / active EE | $3,431 | $2,993+14.6% | $4,082-16.0% | $3,470-1.1% |
| Admin fee / account holder | $39,798 | $4,046+883.6% | $5,479+626.4% | $4,887+714.3% |