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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 | $55,741 | $59,819-6.8% | $79,583-30.0% | $68,490-18.6% |
| Participation rate | 65.9% | 61.1%+4.8pp | 69.5%-3.6pp | 67.9%-2.0pp |
| Annual return | -17.27% | -12.30%-5.0pp | 0.16%-17.4pp | -7.85%-9.4pp |
| Employer contribution / active EE | $3,525 | $1,505+134.1% | $2,414+46.0% | $2,597+35.7% |
| Participant deferral / active EE | $2,124 | $3,025-29.8% | $3,986-46.7% | $4,028-47.3% |
| Admin fee / account holder | $1,518 | $4,835-68.6% | $6,835-77.8% | $5,403-71.9% |