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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 | $85,949 | $71,873+19.6% | $86,698-0.9% | $68,490+25.5% |
| Participation rate | 63.3% | 72.2%-8.9pp | 76.6%-13.3pp | 67.9%-4.6pp |
| Annual return | -16.06% | 3.54%-19.6pp | 35.96%-52.0pp | -7.85%-8.2pp |
| Employer contribution / active EE | $2,344 | $2,173+7.9% | $2,837-17.4% | $2,597-9.7% |
| Participant deferral / active EE | $3,662 | $3,779-3.1% | $4,656-21.4% | $4,028-9.1% |
| Admin fee / account holder | $3,747 | $6,110-38.7% | $7,492-50.0% | $5,403-30.7% |