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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 | $108,718 | $73,009+48.9% | $90,756+19.8% | $68,495+58.7% |
| Participation rate | 38.9% | 70.8%-31.9pp | 75.7%-36.8pp | 67.9%-29.0pp |
| Annual return | -12.78% | -13.81%+1.0pp | -12.16%-0.6pp | -7.84%-4.9pp |
| Employer contribution / active EE | $0 | $2,193-100.0% | $2,922-100.0% | $2,596-100.0% |
| Participant deferral / active EE | $3,582 | $3,626-1.2% | $4,565-21.5% | $4,028-11.1% |
| Admin fee / account holder | $13,739 | $5,896+133.0% | $8,445+62.7% | $5,403+154.3% |