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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 | $41,013 | $50,947-19.5% | $74,551-45.0% | $64,173-36.1% |
| Participation rate | 47.4% | 61.1%-13.7pp | 69.1%-21.8pp | 69.6%-22.2pp |
| Annual return | -5.73% | -1.85%-3.9pp | 32.53%-38.3pp | 7.63%-13.4pp |
| Employer contribution / active EE | $0 | $1,115-100.0% | $1,961-100.0% | $2,381-100.0% |
| Participant deferral / active EE | $1,524 | $2,302-33.8% | $3,108-51.0% | $3,470-56.1% |
| Admin fee / account holder | $6,132 | $4,221+45.3% | $5,059+21.2% | $4,887+25.5% |