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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 | $58,227 | $110,083-47.1% | $151,645-61.6% | $68,490-15.0% |
| Participation rate | 69.2% | 84.0%-14.7pp | 87.5%-18.3pp | 67.9%+1.3pp |
| Annual return | -18.03% | -10.12%-7.9pp | 3.34%-21.4pp | -7.85%-10.2pp |
| Employer contribution / active EE | $1,713 | $4,470-61.7% | $6,165-72.2% | $2,597-34.0% |
| Participant deferral / active EE | $4,747 | $6,526-27.3% | $8,363-43.2% | $4,028+17.9% |
| Admin fee / account holder | $12,018 | $7,718+55.7% | $11,614+3.5% | $5,403+122.4% |