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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 | $73,943 | $64,706+14.3% | $112,244-34.1% | $68,498+7.9% |
| Participation rate | 60.0% | 67.1%-7.1pp | 75.1%-15.1pp | 67.9%-7.9pp |
| Annual return | -13.42% | -11.40%-2.0pp | 27.46%-40.9pp | -7.84%-5.6pp |
| Employer contribution / active EE | $4,467 | $2,746+62.7% | $3,635+22.9% | $2,596+72.1% |
| Participant deferral / active EE | $5,635 | $3,565+58.1% | $4,728+19.2% | $4,027+39.9% |
| Admin fee / account holder | $20,117 | $5,231+284.6% | $6,411+213.8% | $5,403+272.3% |