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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 | $76,890 | $73,839+4.1% | $143,788-46.5% | $68,495+12.3% |
| Participation rate | 49.3% | 66.7%-17.4pp | 80.3%-31.1pp | 67.9%-18.6pp |
| Annual return | -17.44% | 1.01%-18.5pp | -0.03%-17.4pp | -7.84%-9.6pp |
| Employer contribution / active EE | $2,144 | $3,184-32.7% | $4,952-56.7% | $2,596-17.4% |
| Participant deferral / active EE | $4,002 | $3,384+18.2% | $5,638-29.0% | $4,028-0.6% |
| Admin fee / account holder | $3,477 | $5,755-39.6% | $14,675-76.3% | $5,403-35.6% |