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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 | $55,952 | $110,083-49.2% | $151,639-63.1% | $68,486-18.3% |
| Participation rate | 63.0% | 84.0%-20.9pp | 87.5%-24.4pp | 67.9%-4.8pp |
| Annual return | -15.11% | -10.12%-5.0pp | 3.34%-18.4pp | -7.85%-7.3pp |
| Employer contribution / active EE | $1,839 | $4,470-58.8% | $6,165-70.2% | $2,597-29.2% |
| Participant deferral / active EE | $4,062 | $6,526-37.8% | $8,363-51.4% | $4,028+0.9% |
| Admin fee / account holder | $6,540 | $7,718-15.3% | $11,613-43.7% | $5,404+21.0% |