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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 | $57,519 | $53,546+7.4% | $69,890-17.7% | $68,490-16.0% |
| Participation rate | 55.2% | 64.5%-9.3pp | 70.5%-15.3pp | 67.9%-12.7pp |
| Annual return | -11.84% | -13.87%+2.0pp | 190.84%-202.7pp | -7.85%-4.0pp |
| Employer contribution / active EE | $952 | $2,019-52.9% | $2,560-62.8% | $2,597-63.4% |
| Participant deferral / active EE | $1,976 | $2,957-33.2% | $3,848-48.7% | $4,028-50.9% |
| Admin fee / account holder | $3,162 | $4,693-32.6% | $6,267-49.5% | $5,403-41.5% |