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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 | $72,854 | $81,870-11.0% | $119,622-39.1% | $68,486+6.4% |
| Participation rate | 65.4% | 71.9%-6.5pp | 79.3%-13.9pp | 67.9%-2.5pp |
| Annual return | -13.76% | -23.82%+10.1pp | -14.98%+1.2pp | -7.85%-5.9pp |
| Employer contribution / active EE | $2,158 | $2,692-19.8% | $4,232-49.0% | $2,597-16.9% |
| Participant deferral / active EE | $3,981 | $4,148-4.0% | $5,601-28.9% | $4,028-1.2% |
| Admin fee / account holder | $3,659 | $6,583-44.4% | $10,328-64.6% | $5,404-32.3% |