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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 | $54,199 | $50,947+6.4% | $74,549-27.3% | $64,173-15.5% |
| Participation rate | 63.5% | 61.1%+2.4pp | 69.1%-5.7pp | 69.6%-6.1pp |
| Annual return | -5.35% | -1.85%-3.5pp | 32.53%-37.9pp | 7.63%-13.0pp |
| Employer contribution / active EE | $356 | $1,115-68.1% | $1,961-81.8% | $2,381-85.0% |
| Participant deferral / active EE | $1,638 | $2,302-28.8% | $3,108-47.3% | $3,470-52.8% |
| Admin fee / account holder | $17,725 | $4,221+319.9% | $5,059+250.4% | $4,887+262.7% |