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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 | $46,637 | $53,546-12.9% | $69,884-33.3% | $68,486-31.9% |
| Participation rate | 68.0% | 64.5%+3.5pp | 70.5%-2.5pp | 67.9%+0.1pp |
| Annual return | -18.14% | -13.87%-4.3pp | 190.81%-208.9pp | -7.85%-10.3pp |
| Employer contribution / active EE | $2,236 | $2,019+10.7% | $2,560-12.7% | $2,597-13.9% |
| Participant deferral / active EE | $2,210 | $2,957-25.2% | $3,848-42.6% | $4,028-45.1% |
| Admin fee / account holder | $1,031 | $4,693-78.0% | $6,266-83.6% | $5,404-80.9% |