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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 | $34,617 | $42,910-19.3% | $60,919-43.2% | $68,490-49.5% |
| Participation rate | 59.4% | 66.8%-7.4pp | 73.1%-13.7pp | 67.9%-8.5pp |
| Annual return | -11.34% | -13.99%+2.7pp | 16.96%-28.3pp | -7.85%-3.5pp |
| Employer contribution / active EE | $2,219 | $1,978+12.2% | $2,704-17.9% | $2,597-14.5% |
| Participant deferral / active EE | $1,338 | $2,866-53.3% | $3,814-64.9% | $4,028-66.8% |
| Admin fee / account holder | $3,221 | $3,104+3.8% | $3,228-0.2% | $5,403-40.4% |