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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 | $58,271 | $69,977-16.7% | $108,582-46.3% | $62,881-7.3% |
| Participation rate | 65.8% | 72.9%-7.1pp | 79.6%-13.7pp | 69.3%-3.5pp |
| Annual return | 5.97% | 10.73%-4.8pp | -51.70%+57.7pp | 20.14%-14.2pp |
| Employer contribution / active EE | $1,172 | $2,135-45.1% | $3,758-68.8% | $2,281-48.6% |
| Participant deferral / active EE | $3,275 | $3,165+3.5% | $4,311-24.0% | $3,203+2.3% |
| Admin fee / account holder | $763 | $5,076-85.0% | $7,645-90.0% | $4,296-82.2% |