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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 | $32,421 | $72,177-55.1% | $115,038-71.8% | $59,633-45.6% |
| Participation rate | 47.7% | 72.6%-24.9pp | 81.4%-33.7pp | 68.7%-21.0pp |
| Annual return | -1.17% | 12.02%-13.2pp | 26.14%-27.3pp | 2041.45%-2042.6pp |
| Employer contribution / active EE | $0 | $2,841-100.0% | $4,608-100.0% | $2,203-100.0% |
| Participant deferral / active EE | $4,524 | $4,783-5.4% | $6,026-24.9% | $3,192+41.8% |
| Admin fee / account holder | $7,806 | $4,927+58.4% | $8,175-4.5% | $4,297+81.7% |