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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 | $133,459 | $73,848+80.7% | $143,799-7.2% | $68,486+94.9% |
| Participation rate | 62.9% | 66.7%-3.8pp | 80.3%-17.5pp | 67.9%-5.0pp |
| Annual return | -15.89% | 0.91%-16.8pp | -0.04%-15.8pp | -7.85%-8.0pp |
| Employer contribution / active EE | $0 | $3,184-100.0% | $4,952-100.0% | $2,597-100.0% |
| Participant deferral / active EE | $1,846 | $3,385-45.4% | $5,638-67.3% | $4,028-54.2% |
| Admin fee / account holder | $9,213 | $5,755+60.1% | $14,677-37.2% | $5,404+70.5% |