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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 | $77,830 | $73,839+5.4% | $143,788-45.9% | $68,495+13.6% |
| Participation rate | 64.3% | 66.7%-2.4pp | 80.3%-16.0pp | 67.9%-3.6pp |
| Annual return | -18.24% | 1.01%-19.3pp | -0.03%-18.2pp | -7.84%-10.4pp |
| Employer contribution / active EE | $4,876 | $3,184+53.1% | $4,952-1.5% | $2,596+87.8% |
| Participant deferral / active EE | $11,284 | $3,384+233.4% | $5,638+100.1% | $4,028+180.2% |
| Admin fee / account holder | $2,222 | $5,755-61.4% | $14,675-84.9% | $5,403-58.9% |