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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 | $49,045 | $46,697+5.0% | $117,533-58.3% | $68,486-28.4% |
| Participation rate | 58.7% | 56.8%+1.9pp | 70.6%-11.9pp | 67.9%-9.2pp |
| Annual return | -17.65% | -14.52%-3.1pp | 29.77%-47.4pp | -7.85%-9.8pp |
| Employer contribution / active EE | $2,857 | $1,506+89.8% | $4,179-31.6% | $2,597+10.0% |
| Participant deferral / active EE | $5,086 | $2,637+92.8% | $4,072+24.9% | $4,028+26.3% |
| Admin fee / account holder | $2,639 | $4,023-34.4% | $5,647-53.3% | $5,404-51.2% |