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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 | $80,721 | $65,125+23.9% | $143,797-43.9% | $66,949+20.6% |
| Participation rate | 56.0% | 65.2%-9.2pp | 80.3%-24.3pp | 69.8%-13.8pp |
| Annual return | -14.09% | -11.13%-3.0pp | -0.04%-14.1pp | 1.57%-15.7pp |
| Employer contribution / active EE | $1,482 | $2,362-37.3% | $4,952-70.1% | $2,545-41.8% |
| Participant deferral / active EE | $2,897 | $2,920-0.8% | $5,638-48.6% | $4,239-31.7% |
| Admin fee / account holder | $422 | $503-16.1% | $14,679-97.1% | $594-28.9% |