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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 | $142,255 | $77,817+82.8% | $123,553+15.1% | $64,173+121.7% |
| Participation rate | 48.0% | 74.7%-26.7pp | 82.3%-34.3pp | 69.6%-21.6pp |
| Annual return | -2.75% | 12.49%-15.2pp | 119.21%-122.0pp | 7.63%-10.4pp |
| Employer contribution / active EE | $0 | $3,014-100.0% | $4,628-100.0% | $2,381-100.0% |
| Participant deferral / active EE | $4,852 | $5,240-7.4% | $6,426-24.5% | $3,470+39.8% |
| Admin fee / account holder | $26,196 | $5,519+374.6% | $9,284+182.1% | $4,887+436.0% |