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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 | $105,791 | $71,878+47.2% | $86,698+22.0% | $68,486+54.5% |
| Participation rate | 56.0% | 72.2%-16.2pp | 76.6%-20.6pp | 67.9%-11.9pp |
| Annual return | -16.21% | 3.53%-19.7pp | 35.95%-52.2pp | -7.85%-8.4pp |
| Employer contribution / active EE | $2,385 | $2,173+9.8% | $2,837-15.9% | $2,597-8.1% |
| Participant deferral / active EE | $5,646 | $3,779+49.4% | $4,656+21.3% | $4,028+40.2% |
| Admin fee / account holder | $1,338 | $6,113-78.1% | $7,493-82.1% | $5,404-75.2% |