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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 | $182,075 | $167,353+8.8% | $143,797+26.6% | $134,545+35.3% |
| Participation rate | 54.2% | 84.8%-30.7pp | 80.3%-26.2pp | 81.2%-27.1pp |
| Annual return | -16.40% | 0.48%-16.9pp | -0.04%-16.4pp | 418.37%-434.8pp |
| Employer contribution / active EE | $2,084 | $5,620-62.9% | $4,952-57.9% | $4,742-56.0% |
| Participant deferral / active EE | $4,114 | $6,447-36.2% | $5,638-27.0% | $6,401-35.7% |
| Admin fee / account holder | $11,917 | $18,096-34.1% | $14,679-18.8% | $11,431+4.3% |