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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 | $56,035 | $73,009-23.2% | $90,760-38.3% | $68,486-18.2% |
| Participation rate | 63.9% | 70.8%-6.9pp | 75.7%-11.8pp | 67.9%-4.0pp |
| Annual return | -12.30% | -13.81%+1.5pp | -12.16%-0.1pp | -7.85%-4.4pp |
| Employer contribution / active EE | $1,375 | $2,193-37.3% | $2,922-52.9% | $2,597-47.0% |
| Participant deferral / active EE | $2,688 | $3,626-25.9% | $4,565-41.1% | $4,028-33.3% |
| Admin fee / account holder | $8,901 | $5,896+51.0% | $8,444+5.4% | $5,404+64.7% |