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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 | $68,723 | $62,583+9.8% | $76,767-10.5% | $64,173+7.1% |
| Participation rate | 64.1% | 72.8%-8.7pp | 77.0%-12.9pp | 69.6%-5.5pp |
| Annual return | -4.33% | -1.95%-2.4pp | 2.43%-6.8pp | 7.63%-12.0pp |
| Employer contribution / active EE | $1,881 | $1,832+2.7% | $2,485-24.3% | $2,381-21.0% |
| Participant deferral / active EE | $3,990 | $3,145+26.9% | $3,852+3.6% | $3,470+15.0% |
| Admin fee / account holder | $3,994 | $4,667-14.4% | $6,675-40.2% | $4,887-18.3% |