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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 | $70,426 | $71,872-2.0% | $86,691-18.8% | $68,495+2.8% |
| Participation rate | 65.4% | 72.2%-6.9pp | 76.6%-11.2pp | 67.9%-2.5pp |
| Annual return | -14.56% | 3.53%-18.1pp | 35.94%-50.5pp | -7.84%-6.7pp |
| Employer contribution / active EE | $1,899 | $2,173-12.6% | $2,837-33.1% | $2,596-26.9% |
| Participant deferral / active EE | $4,525 | $3,779+19.7% | $4,656-2.8% | $4,028+12.3% |
| Admin fee / account holder | $6,912 | $6,112+13.1% | $7,492-7.7% | $5,403+27.9% |