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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 | $64,532 | $57,352+12.5% | $83,830-23.0% | $64,173+0.6% |
| Participation rate | 52.6% | 68.6%-16.0pp | 76.1%-23.5pp | 69.6%-16.9pp |
| Annual return | -3.87% | 11.38%-15.3pp | 850.97%-854.8pp | 7.63%-11.5pp |
| Employer contribution / active EE | $0 | $2,546-100.0% | $3,631-100.0% | $2,381-100.0% |
| Participant deferral / active EE | $2,589 | $2,993-13.5% | $4,082-36.6% | $3,470-25.4% |
| Admin fee / account holder | $23,512 | $4,046+481.1% | $5,479+329.2% | $4,887+381.1% |