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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 | $40,374 | $64,729-37.6% | $112,263-64.0% | $68,490-41.1% |
| Participation rate | 69.4% | 67.2%+2.3pp | 75.1%-5.6pp | 67.9%+1.5pp |
| Annual return | -15.88% | -11.40%-4.5pp | 27.49%-43.4pp | -7.85%-8.0pp |
| Employer contribution / active EE | $2,262 | $2,746-17.6% | $3,636-37.8% | $2,597-12.9% |
| Participant deferral / active EE | $5,129 | $3,566+43.8% | $4,729+8.4% | $4,028+27.3% |
| Admin fee / account holder | $2,770 | $5,222-47.0% | $6,410-56.8% | $5,403-48.7% |