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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 | $103,986 | $62,589+66.1% | $76,768+35.5% | $64,173+62.0% |
| Participation rate | 65.3% | 72.8%-7.5pp | 77.0%-11.7pp | 69.6%-4.3pp |
| Annual return | -5.80% | -1.95%-3.9pp | 2.43%-8.2pp | 7.63%-13.4pp |
| Employer contribution / active EE | $1,582 | $1,832-13.7% | $2,485-36.3% | $2,381-33.6% |
| Participant deferral / active EE | $4,111 | $3,145+30.7% | $3,852+6.7% | $3,470+18.5% |
| Admin fee / account holder | $10,451 | $4,667+123.9% | $6,675+56.6% | $4,887+113.8% |