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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 | $78,389 | $59,819+31.0% | $79,583-1.5% | $68,490+14.5% |
| Participation rate | 50.0% | 61.1%-11.1pp | 69.5%-19.5pp | 67.9%-17.9pp |
| Annual return | -15.78% | -12.30%-3.5pp | 0.16%-15.9pp | -7.85%-7.9pp |
| Employer contribution / active EE | $1,666 | $1,505+10.7% | $2,414-31.0% | $2,597-35.8% |
| Participant deferral / active EE | $3,725 | $3,025+23.1% | $3,986-6.6% | $4,028-7.5% |
| Admin fee / account holder | $4,767 | $4,835-1.4% | $6,835-30.3% | $5,403-11.8% |