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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 | $55,920 | $59,819-6.5% | $79,583-29.7% | $68,490-18.4% |
| Participation rate | 45.8% | 61.1%-15.3pp | 69.5%-23.7pp | 67.9%-22.1pp |
| Annual return | -13.98% | -12.30%-1.7pp | 0.16%-14.1pp | -7.85%-6.1pp |
| Employer contribution / active EE | $1,854 | $1,505+23.2% | $2,414-23.2% | $2,597-28.6% |
| Participant deferral / active EE | $4,410 | $3,025+45.8% | $3,986+10.6% | $4,028+9.5% |
| Admin fee / account holder | $786 | $4,835-83.8% | $6,835-88.5% | $5,403-85.5% |