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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 | $84,546 | $64,729+30.6% | $112,263-24.7% | $68,490+23.4% |
| Participation rate | 53.4% | 67.2%-13.7pp | 75.1%-21.6pp | 67.9%-14.5pp |
| Annual return | -17.29% | -11.40%-5.9pp | 27.49%-44.8pp | -7.85%-9.4pp |
| Employer contribution / active EE | $1,568 | $2,746-42.9% | $3,636-56.9% | $2,597-39.6% |
| Participant deferral / active EE | $2,692 | $3,566-24.5% | $4,729-43.1% | $4,028-33.2% |
| Admin fee / account holder | $2,004 | $5,222-61.6% | $6,410-68.7% | $5,403-62.9% |