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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 | $65,455 | $77,817-15.9% | $123,553-47.0% | $64,173+2.0% |
| Participation rate | 58.5% | 74.7%-16.2pp | 82.3%-23.8pp | 69.6%-11.0pp |
| Annual return | -6.16% | 12.49%-18.7pp | 119.21%-125.4pp | 7.63%-13.8pp |
| Employer contribution / active EE | $0 | $3,014-100.0% | $4,628-100.0% | $2,381-100.0% |
| Participant deferral / active EE | $4,183 | $5,240-20.2% | $6,426-34.9% | $3,470+20.6% |
| Admin fee / account holder | $4,321 | $5,519-21.7% | $9,284-53.5% | $4,887-11.6% |