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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 | $64,089 | $72,177-11.2% | $115,038-44.3% | $59,633+7.5% |
| Participation rate | 63.6% | 72.6%-8.9pp | 81.4%-17.7pp | 68.7%-5.0pp |
| Annual return | -2.33% | 12.02%-14.4pp | 26.14%-28.5pp | 2041.45%-2043.8pp |
| Employer contribution / active EE | $1,853 | $2,841-34.8% | $4,608-59.8% | $2,203-15.9% |
| Participant deferral / active EE | $3,366 | $4,783-29.6% | $6,026-44.1% | $3,192+5.5% |
| Admin fee / account holder | $2,427 | $4,927-50.7% | $8,175-70.3% | $4,297-43.5% |