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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 | $97,164 | $61,660+57.6% | $80,022+21.4% | $64,173+51.4% |
| Participation rate | 41.7% | 71.7%-30.0pp | 75.8%-34.2pp | 69.6%-27.9pp |
| Annual return | -6.57% | -0.33%-6.2pp | 11.22%-17.8pp | 7.63%-14.2pp |
| Employer contribution / active EE | $0 | $1,810-100.0% | $2,468-100.0% | $2,381-100.0% |
| Participant deferral / active EE | $1,705 | $2,968-42.5% | $3,686-53.7% | $3,470-50.9% |
| Admin fee / account holder | $13,963 | $5,417+157.8% | $6,521+114.1% | $4,887+185.7% |