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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 | $33,933 | $77,816-56.4% | $123,552-72.5% | $64,173-47.1% |
| Participation rate | 13.2% | 74.7%-61.6pp | 82.3%-69.1pp | 69.6%-56.4pp |
| Annual return | -6.27% | 12.49%-18.8pp | 119.20%-125.5pp | 7.63%-13.9pp |
| Employer contribution / active EE | $0 | $3,014-100.0% | $4,628-100.0% | $2,381-100.0% |
| Participant deferral / active EE | $2,434 | $5,240-53.5% | $6,426-62.1% | $3,470-29.8% |
| Admin fee / account holder | $8,531 | $5,519+54.6% | $9,285-8.1% | $4,887+74.6% |