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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 | $69,985 | $59,813+17.0% | $79,580-12.1% | $68,486+2.2% |
| Participation rate | 66.2% | 61.1%+5.2pp | 69.5%-3.3pp | 67.9%-1.7pp |
| Annual return | -13.88% | -12.30%-1.6pp | 0.15%-14.0pp | -7.85%-6.0pp |
| Employer contribution / active EE | $2,139 | $1,505+42.1% | $2,413-11.4% | $2,597-17.6% |
| Participant deferral / active EE | $3,761 | $3,024+24.4% | $3,985-5.6% | $4,028-6.6% |
| Admin fee / account holder | $4,623 | $4,835-4.4% | $6,835-32.4% | $5,404-14.4% |