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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 | $70,148 | $64,719+8.4% | $112,249-37.5% | $68,486+2.4% |
| Participation rate | 37.5% | 67.2%-29.7pp | 75.1%-37.6pp | 67.9%-30.4pp |
| Annual return | -7.84% | -11.40%+3.6pp | 27.48%-35.3pp | -7.85%0pp |
| Employer contribution / active EE | $1,754 | $2,747-36.1% | $3,636-51.8% | $2,597-32.4% |
| Participant deferral / active EE | $3,414 | $3,565-4.2% | $4,729-27.8% | $4,028-15.2% |
| Admin fee / account holder | $7,609 | $5,232+45.4% | $6,412+18.7% | $5,404+40.8% |