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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 | $60,054 | $77,817-22.8% | $123,553-51.4% | $64,173-6.4% |
| Participation rate | 61.8% | 74.7%-12.9pp | 82.3%-20.5pp | 69.6%-7.8pp |
| Annual return | -8.02% | 12.49%-20.5pp | 119.21%-127.2pp | 7.63%-15.7pp |
| Employer contribution / active EE | $2,305 | $3,014-23.5% | $4,628-50.2% | $2,381-3.2% |
| Participant deferral / active EE | $4,971 | $5,240-5.1% | $6,426-22.6% | $3,470+43.3% |
| Admin fee / account holder | $8,409 | $5,519+52.4% | $9,284-9.4% | $4,887+72.0% |