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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 | $43,720 | $48,267-9.4% | $68,794-36.4% | $68,495-36.2% |
| Participation rate | 65.5% | 60.7%+4.9pp | 69.0%-3.5pp | 67.9%-2.4pp |
| Annual return | -3.00% | -12.70%+9.7pp | -6.37%+3.4pp | -7.84%+4.8pp |
| Employer contribution / active EE | $1,760 | $1,829-3.8% | $2,656-33.7% | $2,596-32.2% |
| Participant deferral / active EE | $4,368 | $2,867+52.4% | $3,941+10.8% | $4,028+8.5% |
| Admin fee / account holder | $7,951 | $4,362+82.3% | $4,934+61.1% | $5,403+47.1% |