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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 | $40,455 | $45,872-11.8% | $77,096-47.5% | $68,486-40.9% |
| Participation rate | 65.8% | 55.9%+9.9pp | 67.9%-2.1pp | 67.9%-2.1pp |
| Annual return | -19.30% | 1.73%-21.0pp | 42.35%-61.6pp | -7.85%-11.4pp |
| Employer contribution / active EE | $0 | $1,650-100.0% | $2,814-100.0% | $2,597-100.0% |
| Participant deferral / active EE | $4,436 | $2,963+49.7% | $4,429+0.1% | $4,028+10.1% |
| Admin fee / account holder | $2,910 | $3,041-4.3% | $5,428-46.4% | $5,404-46.2% |