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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 | $56,706 | $81,870-30.7% | $119,634-52.6% | $68,490-17.2% |
| Participation rate | 54.7% | 71.9%-17.2pp | 79.3%-24.6pp | 67.9%-13.2pp |
| Annual return | -13.40% | -23.82%+10.4pp | -14.98%+1.6pp | -7.85%-5.5pp |
| Employer contribution / active EE | $876 | $2,692-67.5% | $4,232-79.3% | $2,597-66.3% |
| Participant deferral / active EE | $3,032 | $4,148-26.9% | $5,601-45.9% | $4,028-24.7% |
| Admin fee / account holder | $8,589 | $6,583+30.5% | $10,329-16.8% | $5,403+59.0% |