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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 | $70,085 | $64,716+8.3% | $112,258-37.6% | $68,495+2.3% |
| Participation rate | 36.2% | 67.2%-31.0pp | 75.1%-38.9pp | 67.9%-31.7pp |
| Annual return | -16.72% | -11.40%-5.3pp | 27.47%-44.2pp | -7.84%-8.9pp |
| Employer contribution / active EE | $1,053 | $2,746-61.7% | $3,636-71.0% | $2,596-59.5% |
| Participant deferral / active EE | $2,971 | $3,565-16.7% | $4,728-37.2% | $4,028-26.2% |
| Admin fee / account holder | $7,361 | $5,232+40.7% | $6,411+14.8% | $5,403+36.2% |