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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 | $75,596 | $75,962-0.5% | $154,108-50.9% | $64,173+17.8% |
| Participation rate | 62.7% | 70.4%-7.7pp | 83.0%-20.3pp | 69.6%-6.9pp |
| Annual return | -3.19% | 30.32%-33.5pp | 735.21%-738.4pp | 7.63%-10.8pp |
| Employer contribution / active EE | $0 | $3,350-100.0% | $5,298-100.0% | $2,381-100.0% |
| Participant deferral / active EE | $2,380 | $3,175-25.0% | $5,081-53.1% | $3,470-31.4% |
| Admin fee / account holder | $20,321 | $5,589+263.6% | $13,411+51.5% | $4,887+315.8% |