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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 | $72,801 | $71,872+1.3% | $86,691-16.0% | $68,495+6.3% |
| Participation rate | 68.9% | 72.2%-3.4pp | 76.6%-7.7pp | 67.9%+1.0pp |
| Annual return | -12.44% | 3.53%-16.0pp | 35.94%-48.4pp | -7.84%-4.6pp |
| Employer contribution / active EE | $1,217 | $2,173-44.0% | $2,837-57.1% | $2,596-53.1% |
| Participant deferral / active EE | $3,926 | $3,779+3.9% | $4,656-15.7% | $4,028-2.5% |
| Admin fee / account holder | $1,260 | $6,112-79.4% | $7,492-83.2% | $5,403-76.7% |