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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 | $62,134 | $65,083-4.5% | $143,788-56.8% | $66,930-7.2% |
| Participation rate | 49.6% | 65.2%-15.6pp | 80.3%-30.7pp | 69.8%-20.2pp |
| Annual return | -15.30% | -11.13%-4.2pp | -0.03%-15.3pp | 1.57%-16.9pp |
| Employer contribution / active EE | $2,867 | $2,361+21.4% | $4,952-42.1% | $2,545+12.6% |
| Participant deferral / active EE | $2,328 | $2,920-20.3% | $5,638-58.7% | $4,238-45.1% |
| Admin fee / account holder | $610 | $502+21.5% | $14,675-95.8% | $593+2.9% |