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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 | $78,343 | $81,870-4.3% | $119,622-34.5% | $68,486+14.4% |
| Participation rate | 61.5% | 71.9%-10.4pp | 79.3%-17.7pp | 67.9%-6.4pp |
| Annual return | -0.75% | -23.82%+23.1pp | -14.98%+14.2pp | -7.85%+7.1pp |
| Employer contribution / active EE | $2,658 | $2,692-1.2% | $4,232-37.2% | $2,597+2.4% |
| Participant deferral / active EE | $5,377 | $4,148+29.6% | $5,601-4.0% | $4,028+33.5% |
| Admin fee / account holder | $33,006 | $6,583+401.4% | $10,328+219.6% | $5,404+510.8% |