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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 | $60,214 | $45,872+31.3% | $77,100-21.9% | $68,490-12.1% |
| Participation rate | 33.3% | 55.9%-22.6pp | 67.9%-34.6pp | 67.9%-34.6pp |
| Annual return | -17.90% | 1.73%-19.6pp | 42.35%-60.3pp | -7.85%-10.0pp |
| Employer contribution / active EE | $2,141 | $1,650+29.8% | $2,815-23.9% | $2,597-17.6% |
| Participant deferral / active EE | $4,360 | $2,963+47.2% | $4,430-1.6% | $4,028+8.2% |
| Admin fee / account holder | $814 | $3,041-73.2% | $5,443-85.0% | $5,403-84.9% |