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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 | $89,329 | $54,162+64.9% | $68,612+30.2% | $64,173+39.2% |
| Participation rate | 55.0% | 68.1%-13.1pp | 72.2%-17.2pp | 69.6%-14.6pp |
| Annual return | -4.80% | -1.62%-3.2pp | -4.63%-0.2pp | 7.63%-12.4pp |
| Employer contribution / active EE | $1,541 | $1,846-16.5% | $2,625-41.3% | $2,381-35.3% |
| Participant deferral / active EE | $3,721 | $2,626+41.7% | $3,311+12.4% | $3,470+7.2% |
| Admin fee / account holder | $4,721 | $4,029+17.2% | $5,131-8.0% | $4,887-3.4% |