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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 | $69,689 | $77,817-10.4% | $123,553-43.6% | $64,173+8.6% |
| Participation rate | 63.0% | 74.7%-11.7pp | 82.3%-19.3pp | 69.6%-6.5pp |
| Annual return | -5.51% | 12.49%-18.0pp | 119.21%-124.7pp | 7.63%-13.1pp |
| Employer contribution / active EE | $1,015 | $3,014-66.3% | $4,628-78.1% | $2,381-57.4% |
| Participant deferral / active EE | $4,454 | $5,240-15.0% | $6,426-30.7% | $3,470+28.4% |
| Admin fee / account holder | $1,041 | $5,519-81.1% | $9,284-88.8% | $4,887-78.7% |