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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 | $74,664 | $62,589+19.3% | $76,768-2.7% | $64,173+16.3% |
| Participation rate | 60.7% | 72.8%-12.1pp | 77.0%-16.2pp | 69.6%-8.9pp |
| Annual return | -6.10% | -1.95%-4.2pp | 2.43%-8.5pp | 7.63%-13.7pp |
| Employer contribution / active EE | $1,015 | $1,832-44.6% | $2,485-59.2% | $2,381-57.4% |
| Participant deferral / active EE | $2,161 | $3,145-31.3% | $3,852-43.9% | $3,470-37.7% |
| Admin fee / account holder | $3,911 | $4,667-16.2% | $6,675-41.4% | $4,887-20.0% |