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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 | $83,673 | $54,726+52.9% | $68,793+21.6% | $64,181+30.4% |
| Participation rate | 44.4% | 68.0%-23.6pp | 72.2%-27.8pp | 69.6%-25.1pp |
| Annual return | -4.32% | -1.62%-2.7pp | -4.63%+0.3pp | 7.63%-12.0pp |
| Employer contribution / active EE | $1,665 | $1,846-9.8% | $2,625-36.6% | $2,381-30.0% |
| Participant deferral / active EE | $3,902 | $2,626+48.6% | $3,311+17.8% | $3,470+12.5% |
| Admin fee / account holder | $3,050 | $4,027-24.3% | $5,131-40.5% | $4,887-37.6% |