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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 | $69,408 | $64,729+7.2% | $112,263-38.2% | $68,490+1.3% |
| Participation rate | 20.6% | 67.2%-46.6pp | 75.1%-54.5pp | 67.9%-47.3pp |
| Annual return | -17.16% | -11.40%-5.8pp | 27.49%-44.6pp | -7.85%-9.3pp |
| Employer contribution / active EE | $980 | $2,746-64.3% | $3,636-73.0% | $2,597-62.2% |
| Participant deferral / active EE | $2,347 | $3,566-34.2% | $4,729-50.4% | $4,028-41.7% |
| Admin fee / account holder | $419 | $5,222-92.0% | $6,410-93.5% | $5,403-92.2% |