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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 | $58,162 | $64,719-10.1% | $112,249-48.2% | $68,486-15.1% |
| Participation rate | 51.9% | 67.2%-15.3pp | 75.1%-23.2pp | 67.9%-16.0pp |
| Annual return | -17.82% | -11.40%-6.4pp | 27.48%-45.3pp | -7.85%-10.0pp |
| Employer contribution / active EE | $2,666 | $2,747-2.9% | $3,636-26.7% | $2,597+2.7% |
| Participant deferral / active EE | $5,448 | $3,565+52.8% | $4,729+15.2% | $4,028+35.3% |
| Admin fee / account holder | $3,382 | $5,232-35.4% | $6,412-47.3% | $5,404-37.4% |