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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 | $68,830 | $63,703+8.0% | $93,063-26.0% | $82,448-16.5% |
| Participation rate | 52.9% | 63.8%-10.9pp | 72.1%-19.2pp | 68.1%-15.1pp |
| Annual return | 20.08% | -775.43%+795.5pp | 34.15%-14.1pp | 41.64%-21.6pp |
| Employer contribution / active EE | $1,963 | $1,729+13.6% | $2,476-20.7% | $2,551-23.1% |
| Participant deferral / active EE | $3,804 | $2,919+30.3% | $3,958-3.9% | $4,139-8.1% |
| Admin fee / account holder | $2,312 | $5,982-61.4% | $6,033-61.7% | $7,234-68.0% |