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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 | $80,672 | $64,729+24.6% | $112,263-28.1% | $68,490+17.8% |
| Participation rate | 45.9% | 67.2%-21.2pp | 75.1%-29.2pp | 67.9%-22.0pp |
| Annual return | -17.02% | -11.40%-5.6pp | 27.49%-44.5pp | -7.85%-9.2pp |
| Employer contribution / active EE | $2,804 | $2,746+2.1% | $3,636-22.9% | $2,597+8.0% |
| Participant deferral / active EE | $5,858 | $3,566+64.3% | $4,729+23.9% | $4,028+45.4% |
| Admin fee / account holder | $10,095 | $5,222+93.3% | $6,410+57.5% | $5,403+86.9% |