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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 | $61,304 | $77,817-21.2% | $123,553-50.4% | $64,173-4.5% |
| Participation rate | 60.6% | 74.7%-14.1pp | 82.3%-21.7pp | 69.6%-9.0pp |
| Annual return | -2.37% | 12.49%-14.9pp | 119.21%-121.6pp | 7.63%-10.0pp |
| Employer contribution / active EE | $2,014 | $3,014-33.2% | $4,628-56.5% | $2,381-15.4% |
| Participant deferral / active EE | $5,401 | $5,240+3.1% | $6,426-15.9% | $3,470+55.7% |
| Admin fee / account holder | $4,482 | $5,519-18.8% | $9,284-51.7% | $4,887-8.3% |