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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 | $67,823 | $73,839-8.1% | $143,788-52.8% | $68,495-1.0% |
| Participation rate | 51.2% | 66.7%-15.4pp | 80.3%-29.1pp | 67.9%-16.7pp |
| Annual return | -13.39% | 1.01%-14.4pp | -0.03%-13.4pp | -7.84%-5.5pp |
| Employer contribution / active EE | $1,194 | $3,184-62.5% | $4,952-75.9% | $2,596-54.0% |
| Participant deferral / active EE | $4,079 | $3,384+20.5% | $5,638-27.6% | $4,028+1.3% |
| Admin fee / account holder | $764 | $5,755-86.7% | $14,675-94.8% | $5,403-85.9% |