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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 | $57,074 | $53,162+7.4% | $91,225-37.4% | $68,486-16.7% |
| Participation rate | 43.5% | 63.2%-19.7pp | 73.2%-29.7pp | 67.9%-24.4pp |
| Annual return | -18.63% | -3.14%-15.5pp | 114.12%-132.7pp | -7.85%-10.8pp |
| Employer contribution / active EE | $1,124 | $1,709-34.2% | $2,851-60.6% | $2,597-56.7% |
| Participant deferral / active EE | $2,511 | $2,974-15.6% | $4,233-40.7% | $4,028-37.7% |
| Admin fee / account holder | $6,376 | $4,493+41.9% | $5,422+17.6% | $5,404+18.0% |