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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 | $85,927 | $45,872+87.3% | $77,096+11.5% | $68,486+25.5% |
| Participation rate | 54.9% | 55.9%-1.0pp | 67.9%-13.0pp | 67.9%-13.0pp |
| Annual return | -12.75% | 1.73%-14.5pp | 42.35%-55.1pp | -7.85%-4.9pp |
| Employer contribution / active EE | $0 | $1,650-100.0% | $2,814-100.0% | $2,597-100.0% |
| Participant deferral / active EE | $3,026 | $2,963+2.1% | $4,429-31.7% | $4,028-24.9% |
| Admin fee / account holder | $16,049 | $3,041+427.7% | $5,428+195.6% | $5,404+197.0% |