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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 | $68,965 | $69,977-1.4% | $108,582-36.5% | $62,881+9.7% |
| Participation rate | 50.0% | 72.9%-22.9pp | 79.6%-29.6pp | 69.3%-19.3pp |
| Annual return | 7.65% | 10.73%-3.1pp | -51.70%+59.3pp | 20.14%-12.5pp |
| Employer contribution / active EE | $1,004 | $2,135-53.0% | $3,758-73.3% | $2,281-56.0% |
| Participant deferral / active EE | $3,142 | $3,165-0.7% | $4,311-27.1% | $3,203-1.9% |
| Admin fee / account holder | $3,341 | $5,076-34.2% | $7,645-56.3% | $4,296-22.2% |