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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 | $47,830 | $73,019-34.5% | $90,766-47.3% | $68,490-30.2% |
| Participation rate | 60.0% | 70.8%-10.8pp | 75.7%-15.7pp | 67.9%-7.9pp |
| Annual return | -12.30% | -13.81%+1.5pp | -12.16%-0.1pp | -7.85%-4.4pp |
| Employer contribution / active EE | $1,713 | $2,193-21.9% | $2,922-41.4% | $2,597-34.0% |
| Participant deferral / active EE | $3,755 | $3,626+3.5% | $4,565-17.7% | $4,028-6.8% |
| Admin fee / account holder | $14,381 | $5,897+143.9% | $8,446+70.3% | $5,403+166.2% |