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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 | $65,324 | $64,719+0.9% | $112,249-41.8% | $68,486-4.6% |
| Participation rate | 63.3% | 67.2%-3.8pp | 75.1%-11.7pp | 67.9%-4.6pp |
| Annual return | -10.69% | -11.40%+0.7pp | 27.48%-38.2pp | -7.85%-2.8pp |
| Employer contribution / active EE | $944 | $2,747-65.6% | $3,636-74.0% | $2,597-63.6% |
| Participant deferral / active EE | $2,906 | $3,565-18.5% | $4,729-38.6% | $4,028-27.9% |
| Admin fee / account holder | $7,192 | $5,232+37.5% | $6,412+12.2% | $5,404+33.1% |