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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 | $45,995 | $46,360-0.8% | $147,617-68.8% | $52,331-12.1% |
| Participation rate | 61.7% | 64.9%-3.2pp | 84.6%-22.9pp | 68.1%-6.4pp |
| Annual return | -1.46% | 1.62%-3.1pp | 61.98%-63.4pp | 4.54%-6.0pp |
| Employer contribution / active EE | $1,990 | $2,126-6.4% | $5,564-64.2% | $1,882+5.8% |
| Participant deferral / active EE | $3,301 | $2,258+46.2% | $4,895-32.6% | $3,022+9.2% |
| Admin fee / account holder | $2,267 | $766+196.1% | $11,612-80.5% | $592+283.3% |