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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 | $85,902 | $73,863+16.3% | $143,797-40.3% | $68,490+25.4% |
| Participation rate | 53.8% | 66.7%-12.8pp | 80.3%-26.5pp | 67.9%-14.1pp |
| Annual return | -14.59% | 0.91%-15.5pp | -0.04%-14.5pp | -7.85%-6.7pp |
| Employer contribution / active EE | $1,095 | $3,185-65.6% | $4,952-77.9% | $2,597-57.8% |
| Participant deferral / active EE | $2,813 | $3,385-16.9% | $5,638-50.1% | $4,028-30.2% |
| Admin fee / account holder | $6,844 | $5,756+18.9% | $14,679-53.4% | $5,403+26.7% |