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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 | $61,955 | $59,813+3.6% | $79,580-22.1% | $68,486-9.5% |
| Participation rate | 36.1% | 61.1%-25.0pp | 69.5%-33.4pp | 67.9%-31.8pp |
| Annual return | -11.36% | -12.30%+0.9pp | 0.15%-11.5pp | -7.85%-3.5pp |
| Employer contribution / active EE | $949 | $1,505-36.9% | $2,413-60.7% | $2,597-63.4% |
| Participant deferral / active EE | $2,077 | $3,024-31.3% | $3,985-47.9% | $4,028-48.4% |
| Admin fee / account holder | $2,698 | $4,835-44.2% | $6,835-60.5% | $5,404-50.1% |