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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 | $43,410 | $64,719-32.9% | $112,249-61.3% | $68,486-36.6% |
| Participation rate | 69.9% | 67.2%+2.7pp | 75.1%-5.2pp | 67.9%+2.0pp |
| Annual return | -14.63% | -11.40%-3.2pp | 27.48%-42.1pp | -7.85%-6.8pp |
| Employer contribution / active EE | $1,989 | $2,747-27.6% | $3,636-45.3% | $2,597-23.4% |
| Participant deferral / active EE | $2,408 | $3,565-32.4% | $4,729-49.1% | $4,028-40.2% |
| Admin fee / account holder | $4,504 | $5,232-13.9% | $6,412-29.8% | $5,404-16.7% |