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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 | $101,148 | $25,979+289.3% | $71,778+40.9% | $68,490+47.7% |
| Participation rate | 22.0% | 54.5%-32.5pp | 62.3%-40.4pp | 67.9%-45.9pp |
| Annual return | -12.34% | -15.10%+2.8pp | 9.15%-21.5pp | -7.85%-4.5pp |
| Employer contribution / active EE | $0 | $900-100.0% | $1,704-100.0% | $2,597-100.0% |
| Participant deferral / active EE | $1,224 | $1,522-19.6% | $2,656-53.9% | $4,028-69.6% |
| Admin fee / account holder | $3,724 | $2,022+84.2% | $3,974-6.3% | $5,403-31.1% |