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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 | $44,396 | $53,546-17.1% | $69,890-36.5% | $68,490-35.2% |
| Participation rate | 28.1% | 64.5%-36.4pp | 70.5%-42.4pp | 67.9%-39.8pp |
| Annual return | -6.52% | -13.87%+7.3pp | 190.84%-197.4pp | -7.85%+1.3pp |
| Employer contribution / active EE | $0 | $2,019-100.0% | $2,560-100.0% | $2,597-100.0% |
| Participant deferral / active EE | $1,119 | $2,957-62.1% | $3,848-70.9% | $4,028-72.2% |
| Admin fee / account holder | $1,001 | $4,693-78.7% | $6,267-84.0% | $5,403-81.5% |