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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 | $76,030 | $64,716+17.5% | $112,258-32.3% | $68,495+11.0% |
| Participation rate | 58.7% | 67.2%-8.4pp | 75.1%-16.3pp | 67.9%-9.2pp |
| Annual return | -16.75% | -11.40%-5.3pp | 27.47%-44.2pp | -7.84%-8.9pp |
| Employer contribution / active EE | $1,631 | $2,746-40.6% | $3,636-55.1% | $2,596-37.2% |
| Participant deferral / active EE | $3,419 | $3,565-4.1% | $4,728-27.7% | $4,028-15.1% |
| Admin fee / account holder | $3,776 | $5,232-27.8% | $6,411-41.1% | $5,403-30.1% |