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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 | $52,425 | $48,235+8.7% | $68,803-23.8% | $68,490-23.5% |
| Participation rate | 68.0% | 60.7%+7.3pp | 69.0%-1.0pp | 67.9%+0.1pp |
| Annual return | -16.99% | -12.70%-4.3pp | -6.37%-10.6pp | -7.85%-9.1pp |
| Employer contribution / active EE | $1,777 | $1,829-2.8% | $2,656-33.1% | $2,597-31.5% |
| Participant deferral / active EE | $2,211 | $2,867-22.9% | $3,942-43.9% | $4,028-45.1% |
| Admin fee / account holder | $8,835 | $4,361+102.6% | $4,936+79.0% | $5,403+63.5% |