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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 | $60,699 | $64,719-6.2% | $112,249-45.9% | $68,486-11.4% |
| Participation rate | 55.2% | 67.2%-11.9pp | 75.1%-19.8pp | 67.9%-12.7pp |
| Annual return | -17.09% | -11.40%-5.7pp | 27.48%-44.6pp | -7.85%-9.2pp |
| Employer contribution / active EE | $2,301 | $2,747-16.2% | $3,636-36.7% | $2,597-11.4% |
| Participant deferral / active EE | $4,582 | $3,565+28.5% | $4,729-3.1% | $4,028+13.8% |
| Admin fee / account holder | $5,662 | $5,232+8.2% | $6,412-11.7% | $5,404+4.8% |