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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 | $59,343 | $81,870-27.5% | $119,622-50.4% | $68,486-13.3% |
| Participation rate | 45.2% | 71.9%-26.7pp | 79.3%-34.1pp | 67.9%-22.7pp |
| Annual return | -11.96% | -23.82%+11.9pp | -14.98%+3.0pp | -7.85%-4.1pp |
| Employer contribution / active EE | $1,536 | $2,692-42.9% | $4,232-63.7% | $2,597-40.8% |
| Participant deferral / active EE | $3,852 | $4,148-7.1% | $5,601-31.2% | $4,028-4.4% |
| Admin fee / account holder | $50,860 | $6,583+672.6% | $10,328+392.5% | $5,404+841.2% |