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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 | $56,936 | $81,870-30.5% | $119,608-52.4% | $68,495-16.9% |
| Participation rate | 61.5% | 71.9%-10.4pp | 79.3%-17.7pp | 67.9%-6.4pp |
| Annual return | -10.77% | -23.82%+13.0pp | -14.98%+4.2pp | -7.84%-2.9pp |
| Employer contribution / active EE | $2,190 | $2,692-18.6% | $4,232-48.3% | $2,596-15.6% |
| Participant deferral / active EE | $3,335 | $4,148-19.6% | $5,601-40.5% | $4,028-17.2% |
| Admin fee / account holder | $10,230 | $6,583+55.4% | $10,326-0.9% | $5,403+89.3% |