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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 | $59,624 | $73,848-19.3% | $143,799-58.5% | $68,486-12.9% |
| Participation rate | 59.2% | 66.7%-7.5pp | 80.3%-21.1pp | 67.9%-8.7pp |
| Annual return | -13.82% | 0.91%-14.7pp | -0.04%-13.8pp | -7.85%-6.0pp |
| Employer contribution / active EE | $3,354 | $3,184+5.3% | $4,952-32.3% | $2,597+29.2% |
| Participant deferral / active EE | $1,782 | $3,385-47.4% | $5,638-68.4% | $4,028-55.8% |
| Admin fee / account holder | $637 | $5,755-88.9% | $14,677-95.7% | $5,404-88.2% |