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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 | $79,427 | $46,689+70.1% | $117,498-32.4% | $68,495+16.0% |
| Participation rate | 60.0% | 56.8%+3.2pp | 70.6%-10.6pp | 67.9%-7.9pp |
| Annual return | -9.41% | -14.52%+5.1pp | 29.75%-39.2pp | -7.84%-1.6pp |
| Employer contribution / active EE | $1,722 | $1,505+14.4% | $4,178-58.8% | $2,596-33.7% |
| Participant deferral / active EE | $5,303 | $2,637+101.1% | $4,071+30.2% | $4,028+31.7% |
| Admin fee / account holder | $2,827 | $4,021-29.7% | $5,646-49.9% | $5,403-47.7% |