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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 | $28,163 | $71,878-60.8% | $86,698-67.5% | $68,486-58.9% |
| Participation rate | 68.4% | 72.2%-3.8pp | 76.6%-8.2pp | 67.9%+0.5pp |
| Annual return | -13.43% | 3.53%-17.0pp | 35.95%-49.4pp | -7.85%-5.6pp |
| Employer contribution / active EE | $0 | $2,173-100.0% | $2,837-100.0% | $2,597-100.0% |
| Participant deferral / active EE | $2,612 | $3,779-30.9% | $4,656-43.9% | $4,028-35.1% |
| Admin fee / account holder | $40,791 | $6,113+567.3% | $7,493+444.4% | $5,404+654.9% |