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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 | $83,484 | $45,872+82.0% | $77,081+8.3% | $68,495+21.9% |
| Participation rate | 65.4% | 55.9%+9.5pp | 67.9%-2.5pp | 67.9%-2.5pp |
| Annual return | -17.08% | 1.73%-18.8pp | 42.33%-59.4pp | -7.84%-9.2pp |
| Employer contribution / active EE | $1,747 | $1,650+5.9% | $2,813-37.9% | $2,596-32.7% |
| Participant deferral / active EE | $4,105 | $2,963+38.6% | $4,428-7.3% | $4,028+1.9% |
| Admin fee / account holder | $4,832 | $3,041+58.9% | $5,427-11.0% | $5,403-10.6% |