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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 | $48,803 | $48,050+1.6% | $85,969-43.2% | $59,633-18.2% |
| Participation rate | 66.7% | 64.5%+2.2pp | 76.5%-9.9pp | 68.7%-2.0pp |
| Annual return | -0.97% | 0.29%-1.3pp | 9.32%-10.3pp | 2041.45%-2042.4pp |
| Employer contribution / active EE | $1,523 | $1,640-7.1% | $3,474-56.2% | $2,203-30.8% |
| Participant deferral / active EE | $3,124 | $2,249+38.9% | $3,829-18.4% | $3,192-2.1% |
| Admin fee / account holder | $1,417 | $3,206-55.8% | $6,053-76.6% | $4,297-67.0% |