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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 | $67,467 | $64,716+4.3% | $112,258-39.9% | $68,495-1.5% |
| Participation rate | 52.0% | 67.2%-15.2pp | 75.1%-23.1pp | 67.9%-15.9pp |
| Annual return | -18.82% | -11.40%-7.4pp | 27.47%-46.3pp | -7.84%-11.0pp |
| Employer contribution / active EE | $1,970 | $2,746-28.3% | $3,636-45.8% | $2,596-24.1% |
| Participant deferral / active EE | $6,025 | $3,565+69.0% | $4,728+27.4% | $4,028+49.6% |
| Admin fee / account holder | $14,946 | $5,232+185.7% | $6,411+133.1% | $5,403+176.6% |