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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 | $55,607 | $53,162+4.6% | $91,225-39.0% | $68,486-18.8% |
| Participation rate | 40.7% | 63.2%-22.5pp | 73.2%-32.5pp | 67.9%-27.2pp |
| Annual return | -19.12% | -3.14%-16.0pp | 114.12%-133.2pp | -7.85%-11.3pp |
| Employer contribution / active EE | $420 | $1,709-75.4% | $2,851-85.3% | $2,597-83.8% |
| Participant deferral / active EE | $1,564 | $2,974-47.4% | $4,233-63.1% | $4,028-61.2% |
| Admin fee / account holder | $6,864 | $4,493+52.7% | $5,422+26.6% | $5,404+27.0% |