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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 | $90,082 | $73,863+22.0% | $143,797-37.4% | $68,490+31.5% |
| Participation rate | 56.2% | 66.7%-10.5pp | 80.3%-24.2pp | 67.9%-11.7pp |
| Annual return | -17.07% | 0.91%-18.0pp | -0.04%-17.0pp | -7.85%-9.2pp |
| Employer contribution / active EE | $1,854 | $3,185-41.8% | $4,952-62.6% | $2,597-28.6% |
| Participant deferral / active EE | $3,525 | $3,385+4.1% | $5,638-37.5% | $4,028-12.5% |
| Admin fee / account holder | $6,099 | $5,756+6.0% | $14,679-58.4% | $5,403+12.9% |