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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 | $98,698 | $53,546+84.3% | $69,890+41.2% | $68,490+44.1% |
| Participation rate | 14.3% | 64.5%-50.2pp | 70.5%-56.2pp | 67.9%-53.6pp |
| Annual return | -13.16% | -13.87%+0.7pp | 190.84%-204.0pp | -7.85%-5.3pp |
| Employer contribution / active EE | $0 | $2,019-100.0% | $2,560-100.0% | $2,597-100.0% |
| Participant deferral / active EE | $1,603 | $2,957-45.8% | $3,848-58.3% | $4,028-60.2% |
| Admin fee / account holder | $2,955 | $4,693-37.0% | $6,267-52.9% | $5,403-45.3% |