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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 | $60,151 | $48,267+24.6% | $68,808-12.6% | $68,486-12.2% |
| Participation rate | 40.0% | 60.7%-20.7pp | 69.0%-29.0pp | 67.9%-27.9pp |
| Annual return | -15.29% | -12.70%-2.6pp | -6.37%-8.9pp | -7.85%-7.4pp |
| Employer contribution / active EE | $1,080 | $1,829-41.0% | $2,656-59.3% | $2,597-58.4% |
| Participant deferral / active EE | $2,327 | $2,867-18.8% | $3,942-41.0% | $4,028-42.2% |
| Admin fee / account holder | $1,752 | $4,362-59.8% | $4,936-64.5% | $5,404-67.6% |