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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 | $70,504 | $68,996+2.2% | $159,991-55.9% | $68,495+2.9% |
| Participation rate | 62.7% | 65.4%-2.7pp | 78.0%-15.3pp | 67.9%-5.2pp |
| Annual return | -16.55% | -9.65%-6.9pp | 408.82%-425.4pp | -7.84%-8.7pp |
| Employer contribution / active EE | $1,605 | $2,212-27.5% | $4,225-62.0% | $2,596-38.2% |
| Participant deferral / active EE | $2,551 | $4,211-39.4% | $6,183-58.7% | $4,028-36.7% |
| Admin fee / account holder | $3,654 | $4,797-23.8% | $8,715-58.1% | $5,403-32.4% |