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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 | $82,270 | $69,012+19.2% | $160,037-48.6% | $68,490+20.1% |
| Participation rate | 23.6% | 65.4%-41.8pp | 78.0%-54.3pp | 67.9%-44.3pp |
| Annual return | -15.60% | -9.65%-6.0pp | 408.95%-424.6pp | -7.85%-7.7pp |
| Employer contribution / active EE | $0 | $2,212-100.0% | $4,226-100.0% | $2,597-100.0% |
| Participant deferral / active EE | $1,437 | $4,212-65.9% | $6,184-76.8% | $4,028-64.3% |
| Admin fee / account holder | $1,682 | $4,798-64.9% | $8,716-80.7% | $5,403-68.9% |