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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 | $118,415 | $53,162+122.7% | $91,225+29.8% | $68,486+72.9% |
| Participation rate | 46.7% | 63.2%-16.5pp | 73.2%-26.5pp | 67.9%-21.2pp |
| Annual return | -19.74% | -3.14%-16.6pp | 114.12%-133.9pp | -7.85%-11.9pp |
| Employer contribution / active EE | $2,031 | $1,709+18.8% | $2,851-28.8% | $2,597-21.8% |
| Participant deferral / active EE | $3,738 | $2,974+25.7% | $4,233-11.7% | $4,028-7.2% |
| Admin fee / account holder | $7,798 | $4,493+73.5% | $5,422+43.8% | $5,404+44.3% |