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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 | $73,892 | $49,177+50.3% | $79,466-7.0% | $64,173+15.1% |
| Participation rate | 43.6% | 65.0%-21.4pp | 73.3%-29.8pp | 69.6%-26.0pp |
| Annual return | -6.43% | -1.16%-5.3pp | 718.28%-724.7pp | 7.63%-14.1pp |
| Employer contribution / active EE | $0 | $2,076-100.0% | $2,800-100.0% | $2,381-100.0% |
| Participant deferral / active EE | $2,122 | $2,821-24.8% | $3,704-42.7% | $3,470-38.8% |
| Admin fee / account holder | $4,015 | $3,839+4.6% | $5,104-21.3% | $4,887-17.8% |