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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 | $48,126 | $81,870-41.2% | $119,608-59.8% | $68,495-29.7% |
| Participation rate | 65.4% | 71.9%-6.5pp | 79.3%-13.9pp | 67.9%-2.5pp |
| Annual return | -16.38% | -23.82%+7.4pp | -14.98%-1.4pp | -7.84%-8.5pp |
| Employer contribution / active EE | $2,524 | $2,692-6.2% | $4,232-40.4% | $2,596-2.8% |
| Participant deferral / active EE | $5,584 | $4,148+34.6% | $5,601-0.3% | $4,028+38.6% |
| Admin fee / account holder | $3,725 | $6,583-43.4% | $10,326-63.9% | $5,403-31.1% |