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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 | $65,976 | $64,719+1.9% | $112,249-41.2% | $68,486-3.7% |
| Participation rate | 53.8% | 67.2%-13.3pp | 75.1%-21.2pp | 67.9%-14.0pp |
| Annual return | -17.64% | -11.40%-6.2pp | 27.48%-45.1pp | -7.85%-9.8pp |
| Employer contribution / active EE | $1,372 | $2,747-50.1% | $3,636-62.3% | $2,597-47.2% |
| Participant deferral / active EE | $3,968 | $3,565+11.3% | $4,729-16.1% | $4,028-1.5% |
| Admin fee / account holder | $1,184 | $5,232-77.4% | $6,412-81.5% | $5,404-78.1% |