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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 | $77,604 | $73,019+6.3% | $90,766-14.5% | $68,490+13.3% |
| Participation rate | 58.3% | 70.8%-12.5pp | 75.7%-17.4pp | 67.9%-9.6pp |
| Annual return | -18.82% | -13.81%-5.0pp | -12.16%-6.7pp | -7.85%-11.0pp |
| Employer contribution / active EE | $1,914 | $2,193-12.7% | $2,922-34.5% | $2,597-26.3% |
| Participant deferral / active EE | $3,688 | $3,626+1.7% | $4,565-19.2% | $4,028-8.4% |
| Admin fee / account holder | $3,495 | $5,897-40.7% | $8,446-58.6% | $5,403-35.3% |