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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 | $68,969 | $64,719+6.6% | $112,249-38.6% | $68,486+0.7% |
| Participation rate | 38.5% | 67.2%-28.7pp | 75.1%-36.6pp | 67.9%-29.4pp |
| Annual return | -12.99% | -11.40%-1.6pp | 27.48%-40.5pp | -7.85%-5.1pp |
| Employer contribution / active EE | $1,093 | $2,747-60.2% | $3,636-69.9% | $2,597-57.9% |
| Participant deferral / active EE | $2,430 | $3,565-31.9% | $4,729-48.6% | $4,028-39.7% |
| Admin fee / account holder | $11,552 | $5,232+120.8% | $6,412+80.2% | $5,404+113.8% |