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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 | $57,958 | $64,719-10.4% | $112,249-48.4% | $68,486-15.4% |
| Participation rate | 69.2% | 67.2%+2.1pp | 75.1%-5.8pp | 67.9%+1.3pp |
| Annual return | -18.46% | -11.40%-7.1pp | 27.48%-45.9pp | -7.85%-10.6pp |
| Employer contribution / active EE | $3,045 | $2,747+10.8% | $3,636-16.3% | $2,597+17.3% |
| Participant deferral / active EE | $8,258 | $3,565+131.6% | $4,729+74.6% | $4,028+105.0% |
| Admin fee / account holder | $9,315 | $5,232+78.0% | $6,412+45.3% | $5,404+72.4% |