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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 | $56,115 | $45,872+22.3% | $77,100-27.2% | $68,490-18.1% |
| Participation rate | 69.4% | 55.9%+13.5pp | 67.9%+1.5pp | 67.9%+1.5pp |
| Annual return | -15.66% | 1.73%-17.4pp | 42.35%-58.0pp | -7.85%-7.8pp |
| Employer contribution / active EE | $0 | $1,650-100.0% | $2,815-100.0% | $2,597-100.0% |
| Participant deferral / active EE | $5,046 | $2,963+70.3% | $4,430+13.9% | $4,028+25.3% |
| Admin fee / account holder | $3,999 | $3,041+31.5% | $5,443-26.5% | $5,403-26.0% |