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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 | $58,150 | $56,339+3.2% | $104,301-44.2% | $68,486-15.1% |
| Participation rate | 58.2% | 63.3%-5.1pp | 73.3%-15.1pp | 67.9%-9.7pp |
| Annual return | -16.23% | -9.19%-7.0pp | 24.61%-40.8pp | -7.85%-8.4pp |
| Employer contribution / active EE | $1,298 | $1,960-33.8% | $3,373-61.5% | $2,597-50.0% |
| Participant deferral / active EE | $3,392 | $3,077+10.2% | $4,626-26.7% | $4,028-15.8% |
| Admin fee / account holder | $5,625 | $4,902+14.8% | $7,340-23.4% | $5,404+4.1% |