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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 | $75,530 | $56,484+33.7% | $169,452-55.4% | $64,173+17.7% |
| Participation rate | 65.5% | 64.5%+1.0pp | 77.8%-12.3pp | 69.6%-4.1pp |
| Annual return | -3.02% | -1.55%-1.5pp | 1.83%-4.8pp | 7.63%-10.6pp |
| Employer contribution / active EE | $586 | $1,832-68.0% | $4,157-85.9% | $2,381-75.4% |
| Participant deferral / active EE | $5,099 | $3,448+47.9% | $5,277-3.4% | $3,470+47.0% |
| Admin fee / account holder | $15,130 | $4,174+262.5% | $9,110+66.1% | $4,887+209.6% |