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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 | $48,913 | $100,792-51.5% | $86,691-43.6% | $134,509-63.6% |
| Participation rate | 52.2% | 78.9%-26.8pp | 76.6%-24.4pp | 81.2%-29.1pp |
| Annual return | -11.39% | 29.08%-40.5pp | 35.94%-47.3pp | 418.13%-429.5pp |
| Employer contribution / active EE | $0 | $3,491-100.0% | $2,837-100.0% | $4,741-100.0% |
| Participant deferral / active EE | $1,892 | $5,339-64.6% | $4,656-59.4% | $6,400-70.4% |
| Admin fee / account holder | $20,189 | $10,924+84.8% | $7,492+169.5% | $11,427+76.7% |