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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 | $41,480 | $73,019-43.2% | $90,766-54.3% | $68,490-39.4% |
| Participation rate | 42.3% | 70.8%-28.5pp | 75.7%-33.4pp | 67.9%-25.6pp |
| Annual return | -12.66% | -13.81%+1.1pp | -12.16%-0.5pp | -7.85%-4.8pp |
| Employer contribution / active EE | $2,561 | $2,193+16.8% | $2,922-12.4% | $2,597-1.4% |
| Participant deferral / active EE | $5,535 | $3,626+52.6% | $4,565+21.2% | $4,028+37.4% |
| Admin fee / account holder | $4,976 | $5,897-15.6% | $8,446-41.1% | $5,403-7.9% |