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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 | $91,338 | $81,870+11.6% | $119,634-23.7% | $68,490+33.4% |
| Participation rate | 60.7% | 71.9%-11.2pp | 79.3%-18.6pp | 67.9%-7.2pp |
| Annual return | -12.51% | -23.82%+11.3pp | -14.98%+2.5pp | -7.85%-4.7pp |
| Employer contribution / active EE | $0 | $2,692-100.0% | $4,232-100.0% | $2,597-100.0% |
| Participant deferral / active EE | $3,247 | $4,148-21.7% | $5,601-42.0% | $4,028-19.4% |
| Admin fee / account holder | $30,518 | $6,583+363.6% | $10,329+195.5% | $5,403+464.8% |