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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 | $66,872 | $46,697+43.2% | $117,529-43.1% | $68,490-2.4% |
| Participation rate | 44.0% | 56.8%-12.8pp | 70.6%-26.6pp | 67.9%-23.9pp |
| Annual return | -14.67% | -14.52%-0.2pp | 29.77%-44.4pp | -7.85%-6.8pp |
| Employer contribution / active EE | $1,071 | $1,506-28.8% | $4,179-74.4% | $2,597-58.7% |
| Participant deferral / active EE | $1,989 | $2,637-24.6% | $4,072-51.2% | $4,028-50.6% |
| Admin fee / account holder | $630 | $4,023-84.3% | $5,645-88.8% | $5,403-88.3% |