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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 | $43,425 | $73,863-41.2% | $143,797-69.8% | $68,490-36.6% |
| Participation rate | 64.9% | 66.7%-1.8pp | 80.3%-15.5pp | 67.9%-3.0pp |
| Annual return | -17.88% | 0.91%-18.8pp | -0.04%-17.8pp | -7.85%-10.0pp |
| Employer contribution / active EE | $2,630 | $3,185-17.4% | $4,952-46.9% | $2,597+1.3% |
| Participant deferral / active EE | $5,297 | $3,385+56.5% | $5,638-6.1% | $4,028+31.5% |
| Admin fee / account holder | $3,949 | $5,756-31.4% | $14,679-73.1% | $5,403-26.9% |