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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 | $59,446 | $43,730+35.9% | $121,220-51.0% | $64,173-7.4% |
| Participation rate | 67.6% | 58.3%+9.3pp | 71.8%-4.1pp | 69.6%-1.9pp |
| Annual return | -7.44% | 68.94%-76.4pp | 16.94%-24.4pp | 7.63%-15.1pp |
| Employer contribution / active EE | $2,223 | $1,297+71.4% | $4,023-44.7% | $2,381-6.6% |
| Participant deferral / active EE | $3,454 | $2,281+51.4% | $3,345+3.3% | $3,470-0.5% |
| Admin fee / account holder | $8,963 | $3,502+155.9% | $5,021+78.5% | $4,887+83.4% |