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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 | $61,141 | $49,280+24.1% | $67,313-9.2% | $64,173-4.7% |
| Participation rate | 49.5% | 60.8%-11.3pp | 69.1%-19.6pp | 69.6%-20.1pp |
| Annual return | -6.57% | -1.39%-5.2pp | -4.08%-2.5pp | 7.63%-14.2pp |
| Employer contribution / active EE | $719 | $1,668-56.9% | $2,566-72.0% | $2,381-69.8% |
| Participant deferral / active EE | $2,003 | $2,484-19.4% | $3,568-43.9% | $3,470-42.3% |
| Admin fee / account holder | $1,654 | $3,863-57.2% | $4,507-63.3% | $4,887-66.2% |