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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 | $77,793 | $64,729+20.2% | $112,263-30.7% | $68,490+13.6% |
| Participation rate | 62.8% | 67.2%-4.3pp | 75.1%-12.2pp | 67.9%-5.1pp |
| Annual return | -16.58% | -11.40%-5.2pp | 27.49%-44.1pp | -7.85%-8.7pp |
| Employer contribution / active EE | $2,044 | $2,746-25.6% | $3,636-43.8% | $2,597-21.3% |
| Participant deferral / active EE | $4,507 | $3,566+26.4% | $4,729-4.7% | $4,028+11.9% |
| Admin fee / account holder | $3,731 | $5,222-28.5% | $6,410-41.8% | $5,403-30.9% |