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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 | $81,867 | $48,267+69.6% | $68,808+19.0% | $68,486+19.5% |
| Participation rate | 58.6% | 60.7%-2.0pp | 69.0%-10.4pp | 67.9%-9.3pp |
| Annual return | -16.24% | -12.70%-3.5pp | -6.37%-9.9pp | -7.85%-8.4pp |
| Employer contribution / active EE | $1,476 | $1,829-19.3% | $2,656-44.4% | $2,597-43.2% |
| Participant deferral / active EE | $4,198 | $2,867+46.4% | $3,942+6.5% | $4,028+4.2% |
| Admin fee / account holder | $19,880 | $4,362+355.7% | $4,936+302.8% | $5,404+267.9% |