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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 | $45,350 | $57,352-20.9% | $83,830-45.9% | $64,173-29.3% |
| Participation rate | 47.1% | 68.6%-21.5pp | 76.1%-29.1pp | 69.6%-22.5pp |
| Annual return | -5.91% | 11.38%-17.3pp | 850.97%-856.9pp | 7.63%-13.5pp |
| Employer contribution / active EE | $0 | $2,546-100.0% | $3,631-100.0% | $2,381-100.0% |
| Participant deferral / active EE | $2,616 | $2,993-12.6% | $4,082-35.9% | $3,470-24.6% |
| Admin fee / account holder | $4,035 | $4,046-0.3% | $5,479-26.3% | $4,887-17.4% |