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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 | $77,290 | $77,816-0.7% | $123,552-37.4% | $64,173+20.4% |
| Participation rate | 68.4% | 74.7%-6.3pp | 82.3%-13.9pp | 69.6%-1.1pp |
| Annual return | -6.91% | 12.49%-19.4pp | 119.20%-126.1pp | 7.63%-14.5pp |
| Employer contribution / active EE | $1,306 | $3,014-56.7% | $4,628-71.8% | $2,381-45.2% |
| Participant deferral / active EE | $3,291 | $5,240-37.2% | $6,426-48.8% | $3,470-5.2% |
| Admin fee / account holder | $11,562 | $5,519+109.5% | $9,285+24.5% | $4,887+136.6% |