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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 | $36,313 | $64,719-43.9% | $112,249-67.6% | $68,486-47.0% |
| Participation rate | 64.0% | 67.2%-3.2pp | 75.1%-11.1pp | 67.9%-3.9pp |
| Annual return | 2.40% | -11.40%+13.8pp | 27.48%-25.1pp | -7.85%+10.3pp |
| Employer contribution / active EE | $0 | $2,747-100.0% | $3,636-100.0% | $2,597-100.0% |
| Participant deferral / active EE | $3,474 | $3,565-2.6% | $4,729-26.5% | $4,028-13.7% |
| Admin fee / account holder | $16,463 | $5,232+214.6% | $6,412+156.7% | $5,404+204.7% |