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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 | $42,859 | $59,834-28.4% | $79,576-46.1% | $68,495-37.4% |
| Participation rate | 60.7% | 61.1%-0.3pp | 69.5%-8.8pp | 67.9%-7.2pp |
| Annual return | -19.06% | -12.30%-6.8pp | 0.15%-19.2pp | -7.84%-11.2pp |
| Employer contribution / active EE | $3,865 | $1,505+156.8% | $2,413+60.2% | $2,596+48.9% |
| Participant deferral / active EE | $7,058 | $3,024+133.4% | $3,985+77.1% | $4,028+75.2% |
| Admin fee / account holder | $6,336 | $4,835+31.0% | $6,834-7.3% | $5,403+17.3% |