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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 | $60,177 | $54,239+10.9% | $70,098-14.2% | $68,495-12.1% |
| Participation rate | 39.2% | 64.5%-25.3pp | 70.5%-31.3pp | 67.9%-28.7pp |
| Annual return | -18.02% | -13.87%-4.2pp | 190.76%-208.8pp | -7.84%-10.2pp |
| Employer contribution / active EE | $1,908 | $2,019-5.5% | $2,560-25.5% | $2,596-26.5% |
| Participant deferral / active EE | $2,785 | $2,957-5.8% | $3,849-27.6% | $4,028-30.8% |
| Admin fee / account holder | $7,168 | $4,691+52.8% | $6,266+14.4% | $5,403+32.7% |