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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 | $81,902 | $71,873+14.0% | $86,698-5.5% | $68,490+19.6% |
| Participation rate | 65.7% | 72.2%-6.5pp | 76.6%-10.9pp | 67.9%-2.2pp |
| Annual return | -16.41% | 3.54%-20.0pp | 35.96%-52.4pp | -7.85%-8.6pp |
| Employer contribution / active EE | $2,718 | $2,173+25.1% | $2,837-4.2% | $2,597+4.7% |
| Participant deferral / active EE | $6,689 | $3,779+77.0% | $4,656+43.7% | $4,028+66.1% |
| Admin fee / account holder | $4,652 | $6,110-23.9% | $7,492-37.9% | $5,403-13.9% |