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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 | $70,471 | $48,235+46.1% | $68,803+2.4% | $68,490+2.9% |
| Participation rate | 54.2% | 60.7%-6.5pp | 69.0%-14.9pp | 67.9%-13.7pp |
| Annual return | -15.38% | -12.70%-2.7pp | -6.37%-9.0pp | -7.85%-7.5pp |
| Employer contribution / active EE | $610 | $1,829-66.7% | $2,656-77.0% | $2,597-76.5% |
| Participant deferral / active EE | $2,088 | $2,867-27.1% | $3,942-47.0% | $4,028-48.1% |
| Admin fee / account holder | $3,961 | $4,361-9.2% | $4,936-19.8% | $5,403-26.7% |