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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 | $111,232 | $48,267+130.5% | $68,794+61.7% | $68,495+62.4% |
| Participation rate | 58.3% | 60.7%-2.3pp | 69.0%-10.7pp | 67.9%-9.6pp |
| Annual return | -18.44% | -12.70%-5.7pp | -6.37%-12.1pp | -7.84%-10.6pp |
| Employer contribution / active EE | $1,661 | $1,829-9.2% | $2,656-37.5% | $2,596-36.0% |
| Participant deferral / active EE | $2,028 | $2,867-29.3% | $3,941-48.5% | $4,028-49.6% |
| Admin fee / account holder | $4,180 | $4,362-4.2% | $4,934-15.3% | $5,403-22.6% |