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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 | $110,994 | $73,839+50.3% | $143,788-22.8% | $68,495+62.0% |
| Participation rate | 36.0% | 66.7%-30.6pp | 80.3%-44.3pp | 67.9%-31.8pp |
| Annual return | -16.75% | 1.01%-17.8pp | -0.03%-16.7pp | -7.84%-8.9pp |
| Employer contribution / active EE | $0 | $3,184-100.0% | $4,952-100.0% | $2,596-100.0% |
| Participant deferral / active EE | $1,997 | $3,384-41.0% | $5,638-64.6% | $4,028-50.4% |
| Admin fee / account holder | $15,552 | $5,755+170.3% | $14,675+6.0% | $5,403+187.8% |