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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 | $54,853 | $50,947+7.7% | $74,549-26.4% | $64,173-14.5% |
| Participation rate | 60.0% | 61.1%-1.1pp | 69.1%-9.1pp | 69.6%-9.6pp |
| Annual return | -6.89% | -1.85%-5.0pp | 32.53%-39.4pp | 7.63%-14.5pp |
| Employer contribution / active EE | $1,612 | $1,115+44.5% | $1,961-17.8% | $2,381-32.3% |
| Participant deferral / active EE | $4,352 | $2,302+89.1% | $3,108+40.0% | $3,470+25.4% |
| Admin fee / account holder | $3,480 | $4,221-17.5% | $5,059-31.2% | $4,887-28.8% |