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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 | $97,812 | $97,020+0.8% | $83,327+17.4% | $135,380-27.8% |
| Participation rate | 62.5% | 80.4%-17.9pp | 77.8%-15.3pp | 82.6%-20.1pp |
| Annual return | -6.53% | 12.31%-18.8pp | 10.64%-17.2pp | 519.81%-526.3pp |
| Employer contribution / active EE | $1,840 | $4,144-55.6% | $3,379-45.5% | $4,779-61.5% |
| Participant deferral / active EE | $5,845 | $5,964-2.0% | $5,565+5.0% | $5,609+4.2% |
| Admin fee / account holder | $4,447 | $8,426-47.2% | $7,540-41.0% | $10,828-58.9% |