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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 | $50,289 | $46,689+7.7% | $117,498-57.2% | $68,495-26.6% |
| Participation rate | 61.4% | 56.8%+4.6pp | 70.6%-9.2pp | 67.9%-6.5pp |
| Annual return | -15.05% | -14.52%-0.5pp | 29.75%-44.8pp | -7.84%-7.2pp |
| Employer contribution / active EE | $0 | $1,505-100.0% | $4,178-100.0% | $2,596-100.0% |
| Participant deferral / active EE | $4,750 | $2,637+80.1% | $4,071+16.7% | $4,028+17.9% |
| Admin fee / account holder | $17,210 | $4,021+328.0% | $5,646+204.8% | $5,403+218.5% |