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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 | $64,034 | $45,872+39.6% | $77,096-16.9% | $68,486-6.5% |
| Participation rate | 52.9% | 55.9%-3.0pp | 67.9%-15.0pp | 67.9%-15.0pp |
| Annual return | -15.74% | 1.73%-17.5pp | 42.35%-58.1pp | -7.85%-7.9pp |
| Employer contribution / active EE | $0 | $1,650-100.0% | $2,814-100.0% | $2,597-100.0% |
| Participant deferral / active EE | $2,196 | $2,963-25.9% | $4,429-50.4% | $4,028-45.5% |
| Admin fee / account holder | $6,802 | $3,041+123.7% | $5,428+25.3% | $5,404+25.9% |