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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 | $85,951 | $71,878+19.6% | $86,698-0.9% | $68,486+25.5% |
| Participation rate | 42.1% | 72.2%-30.1pp | 76.6%-34.5pp | 67.9%-25.8pp |
| Annual return | -15.45% | 3.53%-19.0pp | 35.95%-51.4pp | -7.85%-7.6pp |
| Employer contribution / active EE | $1,615 | $2,173-25.7% | $2,837-43.1% | $2,597-37.8% |
| Participant deferral / active EE | $2,765 | $3,779-26.8% | $4,656-40.6% | $4,028-31.4% |
| Admin fee / account holder | $2,586 | $6,113-57.7% | $7,493-65.5% | $5,404-52.1% |