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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 | $69,935 | $43,730+59.9% | $121,220-42.3% | $64,173+9.0% |
| Participation rate | 52.6% | 58.3%-5.7pp | 71.8%-19.1pp | 69.6%-16.9pp |
| Annual return | -5.98% | 68.94%-74.9pp | 16.94%-22.9pp | 7.63%-13.6pp |
| Employer contribution / active EE | $1,722 | $1,297+32.8% | $4,023-57.2% | $2,381-27.7% |
| Participant deferral / active EE | $3,290 | $2,281+44.3% | $3,345-1.6% | $3,470-5.2% |
| Admin fee / account holder | $3,622 | $3,502+3.4% | $5,021-27.9% | $4,887-25.9% |