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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 | $53,835 | $81,870-34.2% | $119,608-55.0% | $68,495-21.4% |
| Participation rate | 68.4% | 71.9%-3.5pp | 79.3%-10.8pp | 67.9%+0.5pp |
| Annual return | -15.57% | -23.82%+8.2pp | -14.98%-0.6pp | -7.84%-7.7pp |
| Employer contribution / active EE | $2,098 | $2,692-22.0% | $4,232-50.4% | $2,596-19.2% |
| Participant deferral / active EE | $4,706 | $4,148+13.4% | $5,601-16.0% | $4,028+16.8% |
| Admin fee / account holder | $3,330 | $6,583-49.4% | $10,326-67.8% | $5,403-38.4% |