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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 | $101,340 | $81,870+23.8% | $119,622-15.3% | $68,486+48.0% |
| Participation rate | 49.0% | 71.9%-22.9pp | 79.3%-30.2pp | 67.9%-18.9pp |
| Annual return | -18.80% | -23.82%+5.0pp | -14.98%-3.8pp | -7.85%-10.9pp |
| Employer contribution / active EE | $1,536 | $2,692-42.9% | $4,232-63.7% | $2,597-40.9% |
| Participant deferral / active EE | $4,530 | $4,148+9.2% | $5,601-19.1% | $4,028+12.5% |
| Admin fee / account holder | $4,113 | $6,583-37.5% | $10,328-60.2% | $5,404-23.9% |