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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 | $86,297 | $64,719+33.3% | $112,249-23.1% | $68,486+26.0% |
| Participation rate | 45.7% | 67.2%-21.5pp | 75.1%-29.4pp | 67.9%-22.2pp |
| Annual return | -15.07% | -11.40%-3.7pp | 27.48%-42.5pp | -7.85%-7.2pp |
| Employer contribution / active EE | $1,892 | $2,747-31.1% | $3,636-48.0% | $2,597-27.1% |
| Participant deferral / active EE | $4,714 | $3,565+32.2% | $4,729-0.3% | $4,028+17.0% |
| Admin fee / account holder | $4,203 | $5,232-19.7% | $6,412-34.4% | $5,404-22.2% |