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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 | $172,565 | $64,729+166.6% | $112,263+53.7% | $68,490+152.0% |
| Participation rate | 50.0% | 67.2%-17.2pp | 75.1%-25.1pp | 67.9%-17.9pp |
| Annual return | -14.57% | -11.40%-3.2pp | 27.49%-42.1pp | -7.85%-6.7pp |
| Employer contribution / active EE | $0 | $2,746-100.0% | $3,636-100.0% | $2,597-100.0% |
| Participant deferral / active EE | $4,307 | $3,566+20.8% | $4,729-8.9% | $4,028+6.9% |
| Admin fee / account holder | $2,775 | $5,222-46.8% | $6,410-56.7% | $5,403-48.6% |