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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 | $115,593 | $71,872+60.8% | $86,691+33.3% | $68,495+68.8% |
| Participation rate | 69.2% | 72.2%-3.0pp | 76.6%-7.4pp | 67.9%+1.3pp |
| Annual return | -15.25% | 3.53%-18.8pp | 35.94%-51.2pp | -7.84%-7.4pp |
| Employer contribution / active EE | $1,015 | $2,173-53.3% | $2,837-64.2% | $2,596-60.9% |
| Participant deferral / active EE | $3,205 | $3,779-15.2% | $4,656-31.2% | $4,028-20.4% |
| Admin fee / account holder | $3,916 | $6,112-35.9% | $7,492-47.7% | $5,403-27.5% |