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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 | $62,304 | $87,544-28.8% | $75,784-17.8% | $125,388-50.3% |
| Participation rate | 61.5% | 80.2%-18.6pp | 75.8%-14.3pp | 83.2%-21.7pp |
| Annual return | -1.76% | 13.49%-15.2pp | 9.68%-11.4pp | 282.24%-284.0pp |
| Employer contribution / active EE | $1,375 | $3,930-65.0% | $3,323-58.6% | $4,866-71.7% |
| Participant deferral / active EE | $3,923 | $4,229-7.3% | $3,652+7.4% | $5,352-26.7% |
| Admin fee / account holder | $8,084 | $6,502+24.3% | $5,300+52.5% | $9,541-15.3% |