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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 | $78,820 | $64,719+21.8% | $112,249-29.8% | $68,486+15.1% |
| Participation rate | 58.1% | 67.2%-9.0pp | 75.1%-16.9pp | 67.9%-9.8pp |
| Annual return | -18.70% | -11.40%-7.3pp | 27.48%-46.2pp | -7.85%-10.8pp |
| Employer contribution / active EE | $2,265 | $2,747-17.5% | $3,636-37.7% | $2,597-12.8% |
| Participant deferral / active EE | $5,000 | $3,565+40.3% | $4,729+5.7% | $4,028+24.2% |
| Admin fee / account holder | $12,896 | $5,232+146.5% | $6,412+101.1% | $5,404+138.6% |