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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 | $58,172 | $58,600-0.7% | $83,327-30.2% | $64,173-9.4% |
| Participation rate | 69.2% | 72.0%-2.8pp | 77.8%-8.5pp | 69.6%-0.3pp |
| Annual return | -8.15% | 9.66%-17.8pp | 10.64%-18.8pp | 7.63%-15.8pp |
| Employer contribution / active EE | $3,228 | $2,098+53.8% | $3,379-4.5% | $2,381+35.6% |
| Participant deferral / active EE | $5,921 | $4,656+27.2% | $5,565+6.4% | $3,470+70.7% |
| Admin fee / account holder | $6,368 | $9,282-31.4% | $7,540-15.5% | $4,887+30.3% |