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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 | $18,158 | $45,872-60.4% | $77,096-76.4% | $68,486-73.5% |
| Participation rate | 57.9% | 55.9%+2.0pp | 67.9%-10.0pp | 67.9%-10.0pp |
| Annual return | -16.44% | 1.73%-18.2pp | 42.35%-58.8pp | -7.85%-8.6pp |
| Employer contribution / active EE | $0 | $1,650-100.0% | $2,814-100.0% | $2,597-100.0% |
| Participant deferral / active EE | $6,596 | $2,963+122.6% | $4,429+48.9% | $4,028+63.8% |
| Admin fee / account holder | $2,118 | $3,041-30.4% | $5,428-61.0% | $5,404-60.8% |