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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 | $63,760 | $64,729-1.5% | $112,263-43.2% | $68,490-6.9% |
| Participation rate | 64.0% | 67.2%-3.2pp | 75.1%-11.1pp | 67.9%-3.9pp |
| Annual return | -14.71% | -11.40%-3.3pp | 27.49%-42.2pp | -7.85%-6.9pp |
| Employer contribution / active EE | $1,881 | $2,746-31.5% | $3,636-48.3% | $2,597-27.6% |
| Participant deferral / active EE | $3,337 | $3,566-6.4% | $4,729-29.4% | $4,028-17.2% |
| Admin fee / account holder | $6,255 | $5,222+19.8% | $6,410-2.4% | $5,403+15.8% |