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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 | $69,440 | $64,719+7.3% | $112,249-38.1% | $68,486+1.4% |
| Participation rate | 41.9% | 67.2%-25.2pp | 75.1%-33.1pp | 67.9%-26.0pp |
| Annual return | -16.61% | -11.40%-5.2pp | 27.48%-44.1pp | -7.85%-8.8pp |
| Employer contribution / active EE | $0 | $2,747-100.0% | $3,636-100.0% | $2,597-100.0% |
| Participant deferral / active EE | $2,522 | $3,565-29.3% | $4,729-46.7% | $4,028-37.4% |
| Admin fee / account holder | $5,027 | $5,232-3.9% | $6,412-21.6% | $5,404-7.0% |