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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 | $43,318 | $77,816-44.3% | $123,552-64.9% | $64,173-32.5% |
| Participation rate | 30.8% | 74.7%-43.9pp | 82.3%-51.5pp | 69.6%-38.8pp |
| Annual return | -7.50% | 12.49%-20.0pp | 119.20%-126.7pp | 7.63%-15.1pp |
| Employer contribution / active EE | $0 | $3,014-100.0% | $4,628-100.0% | $2,381-100.0% |
| Participant deferral / active EE | $3,030 | $5,240-42.2% | $6,426-52.8% | $3,470-12.7% |
| Admin fee / account holder | $30,228 | $5,519+447.7% | $9,285+225.6% | $4,887+518.5% |