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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 | $63,739 | $50,947+25.1% | $74,549-14.5% | $64,173-0.7% |
| Participation rate | 60.4% | 61.1%-0.6pp | 69.1%-8.7pp | 69.6%-9.2pp |
| Annual return | -4.74% | -1.85%-2.9pp | 32.53%-37.3pp | 7.63%-12.4pp |
| Employer contribution / active EE | $576 | $1,115-48.4% | $1,961-70.6% | $2,381-75.8% |
| Participant deferral / active EE | $1,697 | $2,302-26.3% | $3,108-45.4% | $3,470-51.1% |
| Admin fee / account holder | $2,722 | $4,221-35.5% | $5,059-46.2% | $4,887-44.3% |