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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 | $66,068 | $58,600+12.7% | $83,327-20.7% | $64,173+3.0% |
| Participation rate | 43.2% | 72.0%-28.9pp | 77.8%-34.6pp | 69.6%-26.4pp |
| Annual return | -5.94% | 9.66%-15.6pp | 10.64%-16.6pp | 7.63%-13.6pp |
| Employer contribution / active EE | $0 | $2,098-100.0% | $3,379-100.0% | $2,381-100.0% |
| Participant deferral / active EE | $3,044 | $4,656-34.6% | $5,565-45.3% | $3,470-12.3% |
| Admin fee / account holder | $13,056 | $9,282+40.7% | $7,540+73.1% | $4,887+167.1% |