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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 | $44,478 | $64,729-31.3% | $112,263-60.4% | $68,490-35.1% |
| Participation rate | 57.5% | 67.2%-9.7pp | 75.1%-17.6pp | 67.9%-10.4pp |
| Annual return | -13.54% | -11.40%-2.1pp | 27.49%-41.0pp | -7.85%-5.7pp |
| Employer contribution / active EE | $0 | $2,746-100.0% | $3,636-100.0% | $2,597-100.0% |
| Participant deferral / active EE | $5,037 | $3,566+41.3% | $4,729+6.5% | $4,028+25.1% |
| Admin fee / account holder | $32,575 | $5,222+523.8% | $6,410+408.2% | $5,403+502.9% |