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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 | $71,690 | $64,719+10.8% | $112,249-36.1% | $68,486+4.7% |
| Participation rate | 51.5% | 67.2%-15.6pp | 75.1%-23.5pp | 67.9%-16.4pp |
| Annual return | -15.10% | -11.40%-3.7pp | 27.48%-42.6pp | -7.85%-7.2pp |
| Employer contribution / active EE | $2,247 | $2,747-18.2% | $3,636-38.2% | $2,597-13.5% |
| Participant deferral / active EE | $4,614 | $3,565+29.4% | $4,729-2.4% | $4,028+14.6% |
| Admin fee / account holder | $536 | $5,232-89.8% | $6,412-91.6% | $5,404-90.1% |