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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 | $54,779 | $43,730+25.3% | $121,220-54.8% | $64,173-14.6% |
| Participation rate | 57.1% | 58.3%-1.2pp | 71.8%-14.6pp | 69.6%-12.4pp |
| Annual return | -6.95% | 68.94%-75.9pp | 16.94%-23.9pp | 7.63%-14.6pp |
| Employer contribution / active EE | $839 | $1,297-35.3% | $4,023-79.1% | $2,381-64.8% |
| Participant deferral / active EE | $4,198 | $2,281+84.1% | $3,345+25.5% | $3,470+21.0% |
| Admin fee / account holder | $4,800 | $3,502+37.1% | $5,021-4.4% | $4,887-1.8% |