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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 | $78,378 | $67,411+16.3% | $91,004-13.9% | $70,126+11.8% |
| Participation rate | 61.8% | 71.4%-9.6pp | 75.6%-13.8pp | 69.5%-7.8pp |
| Annual return | 14.29% | -40.16%+54.5pp | 4.60%+9.7pp | 73.15%-58.9pp |
| Employer contribution / active EE | $1,354 | $1,786-24.2% | $2,456-44.9% | $2,343-42.2% |
| Participant deferral / active EE | $2,097 | $2,823-25.7% | $3,548-40.9% | $3,332-37.1% |
| Admin fee / account holder | $636 | $4,236-85.0% | $5,417-88.3% | $4,645-86.3% |