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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 | $25,530 | $81,870-68.8% | $119,608-78.7% | $68,495-62.7% |
| Participation rate | 30.1% | 71.9%-41.8pp | 79.3%-49.2pp | 67.9%-37.8pp |
| Annual return | -15.66% | -23.82%+8.2pp | -14.98%-0.7pp | -7.84%-7.8pp |
| Employer contribution / active EE | $0 | $2,692-100.0% | $4,232-100.0% | $2,596-100.0% |
| Participant deferral / active EE | $2,529 | $4,148-39.0% | $5,601-54.8% | $4,028-37.2% |
| Admin fee / account holder | $5,797 | $6,583-11.9% | $10,326-43.9% | $5,403+7.3% |