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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 | $67,191 | $71,873-6.5% | $86,698-22.5% | $68,490-1.9% |
| Participation rate | 68.4% | 72.2%-3.8pp | 76.6%-8.2pp | 67.9%+0.5pp |
| Annual return | -15.22% | 3.54%-18.8pp | 35.96%-51.2pp | -7.85%-7.4pp |
| Employer contribution / active EE | $1,348 | $2,173-38.0% | $2,837-52.5% | $2,597-48.1% |
| Participant deferral / active EE | $2,888 | $3,779-23.6% | $4,656-38.0% | $4,028-28.3% |
| Admin fee / account holder | $9,504 | $6,110+55.5% | $7,492+26.9% | $5,403+75.9% |