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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 | $52,350 | $49,280+6.2% | $67,313-22.2% | $64,173-18.4% |
| Participation rate | 35.6% | 60.8%-25.2pp | 69.1%-33.5pp | 69.6%-34.0pp |
| Annual return | -7.58% | -1.39%-6.2pp | -4.08%-3.5pp | 7.63%-15.2pp |
| Employer contribution / active EE | $0 | $1,668-100.0% | $2,566-100.0% | $2,381-100.0% |
| Participant deferral / active EE | $1,523 | $2,484-38.7% | $3,568-57.3% | $3,470-56.1% |
| Admin fee / account holder | $1,965 | $3,863-49.1% | $4,507-56.4% | $4,887-59.8% |