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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 | $71,647 | $81,870-12.5% | $119,634-40.1% | $68,490+4.6% |
| Participation rate | 66.7% | 71.9%-5.2pp | 79.3%-12.6pp | 67.9%-1.2pp |
| Annual return | -14.40% | -23.82%+9.4pp | -14.98%+0.6pp | -7.85%-6.5pp |
| Employer contribution / active EE | $1,237 | $2,692-54.0% | $4,232-70.8% | $2,597-52.3% |
| Participant deferral / active EE | $4,045 | $4,148-2.5% | $5,601-27.8% | $4,028+0.4% |
| Admin fee / account holder | $1,012 | $6,583-84.6% | $10,329-90.2% | $5,403-81.3% |