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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 | $52,977 | $50,947+4.0% | $74,551-28.9% | $64,173-17.4% |
| Participation rate | 64.3% | 61.1%+3.2pp | 69.1%-4.9pp | 69.6%-5.3pp |
| Annual return | -5.64% | -1.85%-3.8pp | 32.53%-38.2pp | 7.63%-13.3pp |
| Employer contribution / active EE | $282 | $1,115-74.7% | $1,961-85.6% | $2,381-88.2% |
| Participant deferral / active EE | $3,455 | $2,302+50.1% | $3,108+11.1% | $3,470-0.4% |
| Admin fee / account holder | $673 | $4,221-84.0% | $5,059-86.7% | $4,887-86.2% |