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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 | $68,351 | $46,689+46.4% | $117,498-41.8% | $68,495-0.2% |
| Participation rate | 60.6% | 56.8%+3.8pp | 70.6%-10.0pp | 67.9%-7.3pp |
| Annual return | -16.89% | -14.52%-2.4pp | 29.75%-46.6pp | -7.84%-9.0pp |
| Employer contribution / active EE | $2,639 | $1,505+75.3% | $4,178-36.8% | $2,596+1.6% |
| Participant deferral / active EE | $6,317 | $2,637+139.5% | $4,071+55.2% | $4,028+56.8% |
| Admin fee / account holder | $4,458 | $4,021+10.9% | $5,646-21.0% | $5,403-17.5% |