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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 | $184,982 | $48,235+283.5% | $68,803+168.9% | $68,490+170.1% |
| Participation rate | 25.0% | 60.7%-35.7pp | 69.0%-44.0pp | 67.9%-42.9pp |
| Annual return | -16.76% | -12.70%-4.1pp | -6.37%-10.4pp | -7.85%-8.9pp |
| Employer contribution / active EE | $0 | $1,829-100.0% | $2,656-100.0% | $2,597-100.0% |
| Participant deferral / active EE | $1,401 | $2,867-51.1% | $3,942-64.5% | $4,028-65.2% |
| Admin fee / account holder | $2,750 | $4,361-37.0% | $4,936-44.3% | $5,403-49.1% |