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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 | $72,265 | $49,280+46.6% | $67,313+7.4% | $64,173+12.6% |
| Participation rate | 60.0% | 60.8%-0.8pp | 69.1%-9.1pp | 69.6%-9.6pp |
| Annual return | 2.15% | -1.39%+3.5pp | -4.08%+6.2pp | 7.63%-5.5pp |
| Employer contribution / active EE | $701 | $1,668-58.0% | $2,566-72.7% | $2,381-70.6% |
| Participant deferral / active EE | $2,050 | $2,484-17.5% | $3,568-42.6% | $3,470-40.9% |
| Admin fee / account holder | $11,574 | $3,863+199.6% | $4,507+156.8% | $4,887+136.8% |