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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 | $61,097 | $57,108+7.0% | $94,229-35.2% | $52,331+16.8% |
| Participation rate | 65.2% | 72.9%-7.7pp | 78.8%-13.6pp | 68.1%-2.9pp |
| Annual return | -1.43% | 1.47%-2.9pp | 10.68%-12.1pp | 4.54%-6.0pp |
| Employer contribution / active EE | $1,821 | $1,735+5.0% | $3,587-49.2% | $1,882-3.2% |
| Participant deferral / active EE | $2,521 | $3,040-17.1% | $4,320-41.7% | $3,022-16.6% |
| Admin fee / account holder | $665 | $546+21.6% | $6,269-89.4% | $592+12.4% |