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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 | $128,572 | $92,219+39.4% | $76,768+67.5% | $135,379-5.0% |
| Participation rate | 53.8% | 79.8%-25.9pp | 77.0%-23.1pp | 82.6%-28.8pp |
| Annual return | -5.59% | 5.46%-11.1pp | 2.43%-8.0pp | 519.79%-525.4pp |
| Employer contribution / active EE | $0 | $3,216-100.0% | $2,485-100.0% | $4,779-100.0% |
| Participant deferral / active EE | $2,549 | $4,508-43.5% | $3,852-33.8% | $5,609-54.6% |
| Admin fee / account holder | $6,290 | $10,749-41.5% | $6,675-5.8% | $10,828-41.9% |