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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 | $83,782 | $73,009+14.8% | $90,760-7.7% | $68,486+22.3% |
| Participation rate | 64.4% | 70.8%-6.4pp | 75.7%-11.3pp | 67.9%-3.5pp |
| Annual return | -14.62% | -13.81%-0.8pp | -12.16%-2.5pp | -7.85%-6.8pp |
| Employer contribution / active EE | $4,016 | $2,193+83.1% | $2,922+37.4% | $2,597+54.6% |
| Participant deferral / active EE | $6,037 | $3,626+66.5% | $4,565+32.3% | $4,028+49.9% |
| Admin fee / account holder | $2,646 | $5,896-55.1% | $8,444-68.7% | $5,404-51.0% |