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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 | $94,214 | $81,870+15.1% | $119,608-21.2% | $68,495+37.5% |
| Participation rate | 61.5% | 71.9%-10.4pp | 79.3%-17.7pp | 67.9%-6.4pp |
| Annual return | -12.14% | -23.82%+11.7pp | -14.98%+2.8pp | -7.84%-4.3pp |
| Employer contribution / active EE | $0 | $2,692-100.0% | $4,232-100.0% | $2,596-100.0% |
| Participant deferral / active EE | $2,669 | $4,148-35.7% | $5,601-52.4% | $4,028-33.7% |
| Admin fee / account holder | $27,576 | $6,583+318.9% | $10,326+167.1% | $5,403+410.4% |