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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 | $82,333 | $71,873+14.6% | $86,698-5.0% | $68,490+20.2% |
| Participation rate | 61.4% | 72.2%-10.9pp | 76.6%-15.2pp | 67.9%-6.5pp |
| Annual return | -14.06% | 3.54%-17.6pp | 35.96%-50.0pp | -7.85%-6.2pp |
| Employer contribution / active EE | $1,531 | $2,173-29.5% | $2,837-46.0% | $2,597-41.0% |
| Participant deferral / active EE | $3,338 | $3,779-11.7% | $4,656-28.3% | $4,028-17.1% |
| Admin fee / account holder | $2,037 | $6,110-66.7% | $7,492-72.8% | $5,403-62.3% |