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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 | $71,901 | $42,383+69.6% | $76,518-6.0% | $64,173+12.0% |
| Participation rate | 64.1% | 58.1%+6.0pp | 68.0%-3.9pp | 69.6%-5.5pp |
| Annual return | -2.79% | -16.54%+13.7pp | -0.27%-2.5pp | 7.63%-10.4pp |
| Employer contribution / active EE | $209 | $1,563-86.6% | $2,647-92.1% | $2,381-91.2% |
| Participant deferral / active EE | $1,669 | $2,566-35.0% | $3,836-56.5% | $3,470-51.9% |
| Admin fee / account holder | $7,950 | $3,198+148.6% | $4,849+64.0% | $4,887+62.7% |