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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 | $95,865 | $62,583+53.2% | $76,767+24.9% | $64,173+49.4% |
| Participation rate | 65.4% | 72.8%-7.4pp | 77.0%-11.6pp | 69.6%-4.2pp |
| Annual return | -6.35% | -1.95%-4.4pp | 2.43%-8.8pp | 7.63%-14.0pp |
| Employer contribution / active EE | $2,839 | $1,832+55.0% | $2,485+14.2% | $2,381+19.2% |
| Participant deferral / active EE | $4,405 | $3,145+40.1% | $3,852+14.4% | $3,470+27.0% |
| Admin fee / account holder | $633 | $4,667-86.4% | $6,675-90.5% | $4,887-87.1% |