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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 | $77,098 | $64,719+19.1% | $112,249-31.3% | $68,486+12.6% |
| Participation rate | 54.9% | 67.2%-12.2pp | 75.1%-20.2pp | 67.9%-13.0pp |
| Annual return | -13.44% | -11.40%-2.0pp | 27.48%-40.9pp | -7.85%-5.6pp |
| Employer contribution / active EE | $2,047 | $2,747-25.5% | $3,636-43.7% | $2,597-21.1% |
| Participant deferral / active EE | $4,149 | $3,565+16.4% | $4,729-12.3% | $4,028+3.0% |
| Admin fee / account holder | $1,884 | $5,232-64.0% | $6,412-70.6% | $5,404-65.1% |