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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 | $64,635 | $71,878-10.1% | $86,698-25.4% | $68,486-5.6% |
| Participation rate | 60.0% | 72.2%-12.2pp | 76.6%-16.6pp | 67.9%-7.9pp |
| Annual return | -15.06% | 3.53%-18.6pp | 35.95%-51.0pp | -7.85%-7.2pp |
| Employer contribution / active EE | $762 | $2,173-65.0% | $2,837-73.2% | $2,597-70.7% |
| Participant deferral / active EE | $2,273 | $3,779-39.9% | $4,656-51.2% | $4,028-43.6% |
| Admin fee / account holder | $4,172 | $6,113-31.8% | $7,493-44.3% | $5,404-22.8% |