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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 | $82,844 | $42,383+95.5% | $76,518+8.3% | $64,173+29.1% |
| Participation rate | 52.0% | 58.1%-6.1pp | 68.0%-16.0pp | 69.6%-17.6pp |
| Annual return | -5.01% | -16.54%+11.5pp | -0.27%-4.7pp | 7.63%-12.6pp |
| Employer contribution / active EE | $1,165 | $1,563-25.5% | $2,647-56.0% | $2,381-51.1% |
| Participant deferral / active EE | $2,975 | $2,566+15.9% | $3,836-22.4% | $3,470-14.3% |
| Admin fee / account holder | $1,739 | $3,198-45.6% | $4,849-64.1% | $4,887-64.4% |