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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 | $59,668 | $73,019-18.3% | $90,766-34.3% | $68,490-12.9% |
| Participation rate | 57.6% | 70.8%-13.3pp | 75.7%-18.1pp | 67.9%-10.3pp |
| Annual return | -17.07% | -13.81%-3.3pp | -12.16%-4.9pp | -7.85%-9.2pp |
| Employer contribution / active EE | $1,789 | $2,193-18.4% | $2,922-38.8% | $2,597-31.1% |
| Participant deferral / active EE | $4,709 | $3,626+29.9% | $4,565+3.2% | $4,028+16.9% |
| Admin fee / account holder | $510 | $5,897-91.4% | $8,446-94.0% | $5,403-90.6% |