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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 | $88,268 | $76,912+14.8% | $129,118-31.6% | $68,486+28.9% |
| Participation rate | 51.9% | 69.1%-17.3pp | 77.2%-25.4pp | 67.9%-16.0pp |
| Annual return | -17.68% | -9.78%-7.9pp | -10.94%-6.7pp | -7.85%-9.8pp |
| Employer contribution / active EE | $2,818 | $3,243-13.1% | $5,051-44.2% | $2,597+8.5% |
| Participant deferral / active EE | $4,937 | $4,732+4.3% | $6,539-24.5% | $4,028+22.6% |
| Admin fee / account holder | $3,449 | $6,638-48.0% | $14,305-75.9% | $5,404-36.2% |