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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 | $70,958 | $59,834+18.6% | $79,576-10.8% | $68,495+3.6% |
| Participation rate | 60.0% | 61.1%-1.1pp | 69.5%-9.5pp | 67.9%-7.9pp |
| Annual return | -16.05% | -12.30%-3.8pp | 0.15%-16.2pp | -7.84%-8.2pp |
| Employer contribution / active EE | $2,000 | $1,505+32.9% | $2,413-17.1% | $2,596-23.0% |
| Participant deferral / active EE | $5,101 | $3,024+68.6% | $3,985+28.0% | $4,028+26.6% |
| Admin fee / account holder | $3,926 | $4,835-18.8% | $6,834-42.6% | $5,403-27.3% |