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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 | $65,922 | $45,872+43.7% | $77,096-14.5% | $68,486-3.7% |
| Participation rate | 66.0% | 55.9%+10.1pp | 67.9%-1.9pp | 67.9%-1.9pp |
| Annual return | -15.63% | 1.73%-17.4pp | 42.35%-58.0pp | -7.85%-7.8pp |
| Employer contribution / active EE | $1,782 | $1,650+8.0% | $2,814-36.7% | $2,597-31.4% |
| Participant deferral / active EE | $3,510 | $2,963+18.5% | $4,429-20.8% | $4,028-12.9% |
| Admin fee / account holder | $8,084 | $3,041+165.8% | $5,428+48.9% | $5,404+49.6% |