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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 | $72,473 | $71,873+0.8% | $86,698-16.4% | $68,490+5.8% |
| Participation rate | 46.6% | 72.2%-25.7pp | 76.6%-30.0pp | 67.9%-21.3pp |
| Annual return | -18.49% | 3.54%-22.0pp | 35.96%-54.5pp | -7.85%-10.6pp |
| Employer contribution / active EE | $1,256 | $2,173-42.2% | $2,837-55.7% | $2,597-51.6% |
| Participant deferral / active EE | $2,740 | $3,779-27.5% | $4,656-41.2% | $4,028-32.0% |
| Admin fee / account holder | $3,293 | $6,110-46.1% | $7,492-56.0% | $5,403-39.0% |