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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 | $60,408 | $53,546+12.8% | $69,890-13.6% | $68,490-11.8% |
| Participation rate | 47.2% | 64.5%-17.3pp | 70.5%-23.3pp | 67.9%-20.7pp |
| Annual return | -10.05% | -13.87%+3.8pp | 190.84%-200.9pp | -7.85%-2.2pp |
| Employer contribution / active EE | $2,149 | $2,019+6.5% | $2,560-16.0% | $2,597-17.2% |
| Participant deferral / active EE | $4,888 | $2,957+65.3% | $3,848+27.0% | $4,028+21.4% |
| Admin fee / account holder | $2,269 | $4,693-51.6% | $6,267-63.8% | $5,403-58.0% |