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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 | $46,188 | $42,917+7.6% | $60,899-24.2% | $68,495-32.6% |
| Participation rate | 44.6% | 66.8%-22.1pp | 73.1%-28.5pp | 67.9%-23.2pp |
| Annual return | -8.47% | -13.99%+5.5pp | 16.92%-25.4pp | -7.84%-0.6pp |
| Employer contribution / active EE | $1,531 | $1,979-22.6% | $2,702-43.3% | $2,596-41.0% |
| Participant deferral / active EE | $4,519 | $2,867+57.6% | $3,817+18.4% | $4,028+12.2% |
| Admin fee / account holder | $9,880 | $3,102+218.5% | $3,225+206.4% | $5,403+82.8% |