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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 | $36,363 | $131,835-72.4% | $108,582-66.5% | $273,972-86.7% |
| Participation rate | 69.2% | 83.5%-14.2pp | 79.6%-10.3pp | 83.0%-13.8pp |
| Annual return | 3.98% | -91.57%+95.6pp | -51.70%+55.7pp | 41.46%-37.5pp |
| Employer contribution / active EE | $0 | $4,913-100.0% | $3,758-100.0% | $4,869-100.0% |
| Participant deferral / active EE | $1,811 | $5,127-64.7% | $4,311-58.0% | $5,287-65.7% |
| Admin fee / account holder | $17,546 | $10,253+71.1% | $7,645+129.5% | $10,133+73.2% |