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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 | $104,219 | $54,357+91.7% | $82,706+26.0% | $68,495+52.2% |
| Participation rate | 45.9% | 63.9%-18.0pp | 72.6%-26.6pp | 67.9%-21.9pp |
| Annual return | -17.61% | -13.67%-3.9pp | 701.76%-719.4pp | -7.84%-9.8pp |
| Employer contribution / active EE | $0 | $2,218-100.0% | $3,007-100.0% | $2,596-100.0% |
| Participant deferral / active EE | $2,519 | $3,246-22.4% | $4,394-42.7% | $4,028-37.5% |
| Admin fee / account holder | $3,926 | $4,396-10.7% | $5,329-26.3% | $5,403-27.3% |