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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 | $79,311 | $71,873+10.3% | $86,698-8.5% | $68,490+15.8% |
| Participation rate | 68.6% | 72.2%-3.6pp | 76.6%-8.0pp | 67.9%+0.7pp |
| Annual return | -16.60% | 3.54%-20.1pp | 35.96%-52.6pp | -7.85%-8.7pp |
| Employer contribution / active EE | $1,754 | $2,173-19.3% | $2,837-38.2% | $2,597-32.5% |
| Participant deferral / active EE | $3,909 | $3,779+3.4% | $4,656-16.0% | $4,028-2.9% |
| Admin fee / account holder | $9,649 | $6,110+57.9% | $7,492+28.8% | $5,403+78.6% |