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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 | $43,360 | $59,813-27.5% | $79,580-45.5% | $68,486-36.7% |
| Participation rate | 55.4% | 61.1%-5.7pp | 69.5%-14.1pp | 67.9%-12.5pp |
| Annual return | -16.71% | -12.30%-4.4pp | 0.15%-16.9pp | -7.85%-8.9pp |
| Employer contribution / active EE | $1,752 | $1,505+16.4% | $2,413-27.4% | $2,597-32.5% |
| Participant deferral / active EE | $3,742 | $3,024+23.7% | $3,985-6.1% | $4,028-7.1% |
| Admin fee / account holder | $1,924 | $4,835-60.2% | $6,835-71.9% | $5,404-64.4% |