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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 | $49,246 | $59,813-17.7% | $79,580-38.1% | $68,486-28.1% |
| Participation rate | 65.2% | 61.1%+4.1pp | 69.5%-4.3pp | 67.9%-2.7pp |
| Annual return | -16.85% | -12.30%-4.6pp | 0.15%-17.0pp | -7.85%-9.0pp |
| Employer contribution / active EE | $1,564 | $1,505+3.9% | $2,413-35.2% | $2,597-39.7% |
| Participant deferral / active EE | $2,739 | $3,024-9.5% | $3,985-31.3% | $4,028-32.0% |
| Admin fee / account holder | $1,878 | $4,835-61.1% | $6,835-72.5% | $5,404-65.2% |