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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 | $60,581 | $59,819+1.3% | $79,583-23.9% | $68,490-11.5% |
| Participation rate | 32.7% | 61.1%-28.3pp | 69.5%-36.8pp | 67.9%-35.2pp |
| Annual return | -15.89% | -12.30%-3.6pp | 0.16%-16.1pp | -7.85%-8.0pp |
| Employer contribution / active EE | $1,706 | $1,505+13.3% | $2,414-29.3% | $2,597-34.3% |
| Participant deferral / active EE | $2,242 | $3,025-25.9% | $3,986-43.7% | $4,028-44.3% |
| Admin fee / account holder | $5,322 | $4,835+10.1% | $6,835-22.1% | $5,403-1.5% |