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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 | $41,421 | $52,911-21.7% | $73,309-43.5% | $59,633-30.5% |
| Participation rate | 60.7% | 68.2%-7.5pp | 74.9%-14.2pp | 68.7%-8.0pp |
| Annual return | -0.53% | 12.20%-12.7pp | 5.67%-6.2pp | 2041.45%-2042.0pp |
| Employer contribution / active EE | $0 | $1,909-100.0% | $3,237-100.0% | $2,203-100.0% |
| Participant deferral / active EE | $2,753 | $4,069-32.4% | $4,991-44.8% | $3,192-13.8% |
| Admin fee / account holder | $449 | $3,835-88.3% | $5,635-92.0% | $4,297-89.6% |