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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 | $34,540 | $56,484-38.9% | $169,452-79.6% | $64,173-46.2% |
| Participation rate | 62.1% | 64.5%-2.5pp | 77.8%-15.7pp | 69.6%-7.5pp |
| Annual return | -6.72% | -1.55%-5.2pp | 1.83%-8.6pp | 7.63%-14.4pp |
| Employer contribution / active EE | $1,257 | $1,832-31.4% | $4,157-69.8% | $2,381-47.2% |
| Participant deferral / active EE | $5,694 | $3,448+65.2% | $5,277+7.9% | $3,470+64.1% |
| Admin fee / account holder | $9,274 | $4,174+122.2% | $9,110+1.8% | $4,887+89.8% |