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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 | $45,189 | $61,815-26.9% | $97,295-53.6% | $80,959-44.2% |
| Participation rate | 42.1% | 63.5%-21.4pp | 72.7%-30.6pp | 67.7%-25.6pp |
| Annual return | 15.99% | -558.73%+574.7pp | 75.62%-59.6pp | 35.67%-19.7pp |
| Employer contribution / active EE | $0 | $1,836-100.0% | $2,723-100.0% | $2,757-100.0% |
| Participant deferral / active EE | $2,205 | $3,027-27.1% | $4,264-48.3% | $4,300-48.7% |
| Admin fee / account holder | $27,345 | $5,166+429.4% | $5,646+384.3% | $6,925+294.9% |