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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 | $72,387 | $64,719+11.8% | $112,249-35.5% | $68,486+5.7% |
| Participation rate | 44.4% | 67.2%-22.7pp | 75.1%-30.6pp | 67.9%-23.4pp |
| Annual return | -16.15% | -11.40%-4.8pp | 27.48%-43.6pp | -7.85%-8.3pp |
| Employer contribution / active EE | $1,261 | $2,747-54.1% | $3,636-65.3% | $2,597-51.4% |
| Participant deferral / active EE | $3,368 | $3,565-5.5% | $4,729-28.8% | $4,028-16.4% |
| Admin fee / account holder | $1,065 | $5,232-79.6% | $6,412-83.4% | $5,404-80.3% |