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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 | $29,497 | $129,959-77.3% | $104,301-71.7% | $134,509-78.1% |
| Participation rate | 46.2% | 79.5%-33.4pp | 73.3%-27.1pp | 81.2%-35.1pp |
| Annual return | -18.98% | 42.04%-61.0pp | 24.61%-43.6pp | 418.13%-437.1pp |
| Employer contribution / active EE | $0 | $4,185-100.0% | $3,373-100.0% | $4,741-100.0% |
| Participant deferral / active EE | $9,049 | $5,589+61.9% | $4,626+95.6% | $6,400+41.4% |
| Admin fee / account holder | $7,578 | $9,325-18.7% | $7,340+3.2% | $11,427-33.7% |