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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 | $80,232 | $99,032-19.0% | $80,022+0.3% | $135,380-40.7% |
| Participation rate | 43.8% | 78.4%-34.6pp | 75.8%-32.1pp | 82.6%-38.9pp |
| Annual return | -5.97% | 15.39%-21.4pp | 11.22%-17.2pp | 519.81%-525.8pp |
| Employer contribution / active EE | $0 | $3,043-100.0% | $2,468-100.0% | $4,779-100.0% |
| Participant deferral / active EE | $1,566 | $4,282-63.4% | $3,686-57.5% | $5,609-72.1% |
| Admin fee / account holder | $1,689 | $10,436-83.8% | $6,521-74.1% | $10,828-84.4% |