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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 | $68,744 | $72,177-4.8% | $115,038-40.2% | $59,633+15.3% |
| Participation rate | 69.9% | 72.6%-2.7pp | 81.4%-11.5pp | 68.7%+1.2pp |
| Annual return | -0.24% | 12.02%-12.3pp | 26.14%-26.4pp | 2041.45%-2041.7pp |
| Employer contribution / active EE | $2,224 | $2,841-21.7% | $4,608-51.7% | $2,203+1.0% |
| Participant deferral / active EE | $5,286 | $4,783+10.5% | $6,026-12.3% | $3,192+65.6% |
| Admin fee / account holder | $10,731 | $4,927+117.8% | $8,175+31.3% | $4,297+149.7% |