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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 | $75,646 | $73,009+3.6% | $90,760-16.7% | $68,486+10.5% |
| Participation rate | 53.8% | 70.8%-17.0pp | 75.7%-21.8pp | 67.9%-14.0pp |
| Annual return | -17.72% | -13.81%-3.9pp | -12.16%-5.6pp | -7.85%-9.9pp |
| Employer contribution / active EE | $951 | $2,193-56.6% | $2,922-67.4% | $2,597-63.4% |
| Participant deferral / active EE | $3,086 | $3,626-14.9% | $4,565-32.4% | $4,028-23.4% |
| Admin fee / account holder | $456 | $5,896-92.3% | $8,444-94.6% | $5,404-91.6% |