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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 | $65,641 | $62,583+4.9% | $76,767-14.5% | $64,173+2.3% |
| Participation rate | 67.8% | 72.8%-5.0pp | 77.0%-9.2pp | 69.6%-1.8pp |
| Annual return | 8.96% | -1.95%+10.9pp | 2.43%+6.5pp | 7.63%+1.3pp |
| Employer contribution / active EE | $1,679 | $1,832-8.4% | $2,485-32.4% | $2,381-29.5% |
| Participant deferral / active EE | $2,226 | $3,145-29.2% | $3,852-42.2% | $3,470-35.8% |
| Admin fee / account holder | $5,241 | $4,667+12.3% | $6,675-21.5% | $4,887+7.2% |