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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 | $53,593 | $59,819-10.4% | $79,583-32.7% | $68,490-21.8% |
| Participation rate | 64.5% | 61.1%+3.4pp | 69.5%-5.0pp | 67.9%-3.4pp |
| Annual return | -13.00% | -12.30%-0.7pp | 0.16%-13.2pp | -7.85%-5.1pp |
| Employer contribution / active EE | $1,000 | $1,505-33.6% | $2,414-58.6% | $2,597-61.5% |
| Participant deferral / active EE | $2,667 | $3,025-11.8% | $3,986-33.1% | $4,028-33.8% |
| Admin fee / account holder | $7,602 | $4,835+57.2% | $6,835+11.2% | $5,403+40.7% |