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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 | $52,314 | $56,339-7.1% | $104,299-49.8% | $68,490-23.6% |
| Participation rate | 66.7% | 63.3%+3.4pp | 73.3%-6.6pp | 67.9%-1.2pp |
| Annual return | -16.02% | -9.19%-6.8pp | 24.62%-40.6pp | -7.85%-8.2pp |
| Employer contribution / active EE | $970 | $1,960-50.5% | $3,373-71.3% | $2,597-62.7% |
| Participant deferral / active EE | $2,685 | $3,077-12.7% | $4,626-41.9% | $4,028-33.3% |
| Admin fee / account holder | $3,837 | $4,902-21.7% | $7,339-47.7% | $5,403-29.0% |