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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 | $78,722 | $65,437+20.3% | $86,698-9.2% | $66,949+17.6% |
| Participation rate | 60.3% | 75.5%-15.1pp | 76.6%-16.3pp | 69.8%-9.5pp |
| Annual return | -4.19% | -10.91%+6.7pp | 35.96%-40.2pp | 1.57%-5.8pp |
| Employer contribution / active EE | $1,214 | $2,154-43.6% | $2,837-57.2% | $2,545-52.3% |
| Participant deferral / active EE | $5,107 | $4,102+24.5% | $4,656+9.7% | $4,239+20.5% |
| Admin fee / account holder | $856 | $642+33.4% | $7,492-88.6% | $594+44.2% |