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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 | $67,772 | $87,546-22.6% | $75,784-10.6% | $125,389-46.0% |
| Participation rate | 58.3% | 80.2%-21.8pp | 75.8%-17.5pp | 83.2%-24.9pp |
| Annual return | -3.00% | 13.49%-16.5pp | 9.68%-12.7pp | 282.24%-285.2pp |
| Employer contribution / active EE | $1,654 | $3,930-57.9% | $3,323-50.2% | $4,866-66.0% |
| Participant deferral / active EE | $3,119 | $4,230-26.3% | $3,652-14.6% | $5,352-41.7% |
| Admin fee / account holder | $2,920 | $6,503-55.1% | $5,300-44.9% | $9,541-69.4% |