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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 | $59,390 | $71,878-17.4% | $86,698-31.5% | $68,486-13.3% |
| Participation rate | 58.6% | 72.2%-13.6pp | 76.6%-18.0pp | 67.9%-9.3pp |
| Annual return | -14.88% | 3.53%-18.4pp | 35.95%-50.8pp | -7.85%-7.0pp |
| Employer contribution / active EE | $0 | $2,173-100.0% | $2,837-100.0% | $2,597-100.0% |
| Participant deferral / active EE | $2,309 | $3,779-38.9% | $4,656-50.4% | $4,028-42.7% |
| Admin fee / account holder | $4,764 | $6,113-22.1% | $7,493-36.4% | $5,404-11.8% |