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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 | $53,392 | $59,834-10.8% | $79,576-32.9% | $68,495-22.0% |
| Participation rate | 64.9% | 61.1%+3.8pp | 69.5%-4.6pp | 67.9%-3.0pp |
| Annual return | -18.58% | -12.30%-6.3pp | 0.15%-18.7pp | -7.84%-10.7pp |
| Employer contribution / active EE | $3,183 | $1,505+111.5% | $2,413+31.9% | $2,596+22.6% |
| Participant deferral / active EE | $6,103 | $3,024+101.8% | $3,985+53.1% | $4,028+51.5% |
| Admin fee / account holder | $2,111 | $4,835-56.3% | $6,834-69.1% | $5,403-60.9% |