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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 | $51,827 | $45,872+13.0% | $77,100-32.8% | $68,490-24.3% |
| Participation rate | 34.8% | 55.9%-21.1pp | 67.9%-33.1pp | 67.9%-33.1pp |
| Annual return | -18.31% | 1.73%-20.0pp | 42.35%-60.7pp | -7.85%-10.5pp |
| Employer contribution / active EE | $0 | $1,650-100.0% | $2,815-100.0% | $2,597-100.0% |
| Participant deferral / active EE | $4,127 | $2,963+39.3% | $4,430-6.8% | $4,028+2.5% |
| Admin fee / account holder | $9,365 | $3,041+208.0% | $5,443+72.0% | $5,403+73.3% |