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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 | $61,273 | $56,339+8.8% | $104,301-41.3% | $68,495-10.5% |
| Participation rate | 56.3% | 63.3%-7.0pp | 73.3%-17.0pp | 67.9%-11.6pp |
| Annual return | -0.68% | -9.19%+8.5pp | 24.61%-25.3pp | -7.84%+7.2pp |
| Employer contribution / active EE | $1,395 | $1,960-28.9% | $3,373-58.7% | $2,596-46.3% |
| Participant deferral / active EE | $3,591 | $3,077+16.7% | $4,626-22.4% | $4,028-10.8% |
| Admin fee / account holder | $20,339 | $4,902+314.9% | $7,340+177.1% | $5,403+276.4% |