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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 | $84,828 | $71,873+18.0% | $86,698-2.2% | $68,490+23.9% |
| Participation rate | 69.4% | 72.2%-2.9pp | 76.6%-7.2pp | 67.9%+1.5pp |
| Annual return | -15.60% | 3.54%-19.1pp | 35.96%-51.6pp | -7.85%-7.7pp |
| Employer contribution / active EE | $2,244 | $2,173+3.3% | $2,837-20.9% | $2,597-13.6% |
| Participant deferral / active EE | $4,918 | $3,779+30.1% | $4,656+5.6% | $4,028+22.1% |
| Admin fee / account holder | $946 | $6,110-84.5% | $7,492-87.4% | $5,403-82.5% |