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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 | $47,051 | $50,947-7.6% | $74,551-36.9% | $64,173-26.7% |
| Participation rate | 68.8% | 61.1%+7.7pp | 69.1%-0.4pp | 69.6%-0.8pp |
| Annual return | -6.42% | -1.85%-4.6pp | 32.53%-39.0pp | 7.63%-14.1pp |
| Employer contribution / active EE | $849 | $1,115-23.9% | $1,961-56.7% | $2,381-64.3% |
| Participant deferral / active EE | $3,749 | $2,302+62.9% | $3,108+20.6% | $3,470+8.1% |
| Admin fee / account holder | $3,302 | $4,221-21.8% | $5,059-34.7% | $4,887-32.4% |