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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 | $56,172 | $52,836+6.3% | $105,736-46.9% | $64,173-12.5% |
| Participation rate | 66.0% | 66.5%-0.6pp | 76.3%-10.4pp | 69.6%-3.6pp |
| Annual return | -6.34% | 14.30%-20.6pp | 6.27%-12.6pp | 7.63%-14.0pp |
| Employer contribution / active EE | $1,561 | $1,827-14.6% | $3,268-52.2% | $2,381-34.4% |
| Participant deferral / active EE | $3,284 | $2,545+29.0% | $4,080-19.5% | $3,470-5.4% |
| Admin fee / account holder | $3,011 | $3,959-23.9% | $6,913-56.4% | $4,887-38.4% |