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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 | $51,015 | $49,280+3.5% | $67,313-24.2% | $64,173-20.5% |
| Participation rate | 62.2% | 60.8%+1.4pp | 69.1%-6.9pp | 69.6%-7.3pp |
| Annual return | -8.07% | -1.39%-6.7pp | -4.08%-4.0pp | 7.63%-15.7pp |
| Employer contribution / active EE | $1,195 | $1,668-28.4% | $2,566-53.4% | $2,381-49.8% |
| Participant deferral / active EE | $2,526 | $2,484+1.7% | $3,568-29.2% | $3,470-27.2% |
| Admin fee / account holder | $2,044 | $3,863-47.1% | $4,507-54.6% | $4,887-58.2% |