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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 | $41,284 | $110,083-62.5% | $151,645-72.8% | $68,490-39.7% |
| Participation rate | 60.5% | 84.0%-23.5pp | 87.5%-27.0pp | 67.9%-7.4pp |
| Annual return | -15.62% | -10.12%-5.5pp | 3.34%-19.0pp | -7.85%-7.8pp |
| Employer contribution / active EE | $0 | $4,470-100.0% | $6,165-100.0% | $2,597-100.0% |
| Participant deferral / active EE | $9,271 | $6,526+42.1% | $8,363+10.9% | $4,028+130.2% |
| Admin fee / account holder | $7,210 | $7,718-6.6% | $11,614-37.9% | $5,403+33.5% |