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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 | $79,268 | $64,719+22.5% | $112,249-29.4% | $68,486+15.7% |
| Participation rate | 55.2% | 67.2%-12.0pp | 75.1%-19.9pp | 67.9%-12.7pp |
| Annual return | -15.87% | -11.40%-4.5pp | 27.48%-43.4pp | -7.85%-8.0pp |
| Employer contribution / active EE | $1,409 | $2,747-48.7% | $3,636-61.3% | $2,597-45.7% |
| Participant deferral / active EE | $3,165 | $3,565-11.2% | $4,729-33.1% | $4,028-21.4% |
| Admin fee / account holder | $1,952 | $5,232-62.7% | $6,412-69.6% | $5,404-63.9% |