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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 | $56,868 | $81,870-30.5% | $119,622-52.5% | $68,486-17.0% |
| Participation rate | 62.5% | 71.9%-9.4pp | 79.3%-16.8pp | 67.9%-5.4pp |
| Annual return | -13.84% | -23.82%+10.0pp | -14.98%+1.1pp | -7.85%-6.0pp |
| Employer contribution / active EE | $1,486 | $2,692-44.8% | $4,232-64.9% | $2,597-42.8% |
| Participant deferral / active EE | $3,082 | $4,148-25.7% | $5,601-45.0% | $4,028-23.5% |
| Admin fee / account holder | $34,550 | $6,583+424.8% | $10,328+234.5% | $5,404+539.4% |