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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 | $73,266 | $42,910+70.7% | $60,919+20.3% | $68,490+7.0% |
| Participation rate | 39.1% | 66.8%-27.7pp | 73.1%-34.0pp | 67.9%-28.8pp |
| Annual return | -18.09% | -13.99%-4.1pp | 16.96%-35.1pp | -7.85%-10.2pp |
| Employer contribution / active EE | $1,538 | $1,978-22.3% | $2,704-43.1% | $2,597-40.8% |
| Participant deferral / active EE | $2,757 | $2,866-3.8% | $3,814-27.7% | $4,028-31.5% |
| Admin fee / account holder | $6,543 | $3,104+110.8% | $3,228+102.7% | $5,403+21.1% |