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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 | $66,385 | $64,716+2.6% | $112,258-40.9% | $68,495-3.1% |
| Participation rate | 52.5% | 67.2%-14.7pp | 75.1%-22.6pp | 67.9%-15.4pp |
| Annual return | -19.02% | -11.40%-7.6pp | 27.47%-46.5pp | -7.84%-11.2pp |
| Employer contribution / active EE | $1,442 | $2,746-47.5% | $3,636-60.3% | $2,596-44.5% |
| Participant deferral / active EE | $4,026 | $3,565+12.9% | $4,728-14.9% | $4,0280% |
| Admin fee / account holder | $5,161 | $5,232-1.4% | $6,411-19.5% | $5,403-4.5% |