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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 | $69,316 | $56,339+23.0% | $104,299-33.5% | $68,490+1.2% |
| Participation rate | 68.3% | 63.3%+5.0pp | 73.3%-5.0pp | 67.9%+0.4pp |
| Annual return | -18.47% | -9.19%-9.3pp | 24.62%-43.1pp | -7.85%-10.6pp |
| Employer contribution / active EE | $1,511 | $1,960-22.9% | $3,373-55.2% | $2,597-41.8% |
| Participant deferral / active EE | $2,720 | $3,077-11.6% | $4,626-41.2% | $4,028-32.5% |
| Admin fee / account holder | $3,366 | $4,902-31.3% | $7,339-54.1% | $5,403-37.7% |