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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 | $18,734 | $57,352-67.3% | $83,830-77.7% | $64,173-70.8% |
| Participation rate | 28.6% | 68.6%-40.0pp | 76.1%-47.6pp | 69.6%-41.0pp |
| Annual return | -7.16% | 11.38%-18.5pp | 850.97%-858.1pp | 7.63%-14.8pp |
| Employer contribution / active EE | $0 | $2,546-100.0% | $3,631-100.0% | $2,381-100.0% |
| Participant deferral / active EE | $1,497 | $2,993-50.0% | $4,082-63.3% | $3,470-56.8% |
| Admin fee / account holder | $4,160 | $4,046+2.8% | $5,479-24.1% | $4,887-14.9% |