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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 | $74,771 | $59,813+25.0% | $79,580-6.0% | $68,486+9.2% |
| Participation rate | 62.5% | 61.1%+1.4pp | 69.5%-7.0pp | 67.9%-5.4pp |
| Annual return | -16.10% | -12.30%-3.8pp | 0.15%-16.3pp | -7.85%-8.3pp |
| Employer contribution / active EE | $1,331 | $1,505-11.6% | $2,413-44.8% | $2,597-48.7% |
| Participant deferral / active EE | $3,375 | $3,024+11.6% | $3,985-15.3% | $4,028-16.2% |
| Admin fee / account holder | $4,841 | $4,835+0.1% | $6,835-29.2% | $5,404-10.4% |