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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 | $83,081 | $71,873+15.6% | $86,698-4.2% | $68,490+21.3% |
| Participation rate | 55.3% | 72.2%-17.0pp | 76.6%-21.3pp | 67.9%-12.6pp |
| Annual return | -16.14% | 3.54%-19.7pp | 35.96%-52.1pp | -7.85%-8.3pp |
| Employer contribution / active EE | $1,306 | $2,173-39.9% | $2,837-53.9% | $2,597-49.7% |
| Participant deferral / active EE | $3,006 | $3,779-20.4% | $4,656-35.4% | $4,028-25.4% |
| Admin fee / account holder | $3,462 | $6,110-43.3% | $7,492-53.8% | $5,403-35.9% |