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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 | $69,394 | $62,583+10.9% | $76,767-9.6% | $64,173+8.1% |
| Participation rate | 62.2% | 72.8%-10.6pp | 77.0%-14.7pp | 69.6%-7.3pp |
| Annual return | -5.56% | -1.95%-3.6pp | 2.43%-8.0pp | 7.63%-13.2pp |
| Employer contribution / active EE | $1,889 | $1,832+3.1% | $2,485-24.0% | $2,381-20.7% |
| Participant deferral / active EE | $3,480 | $3,145+10.6% | $3,852-9.7% | $3,470+0.3% |
| Admin fee / account holder | $17,253 | $4,667+269.7% | $6,675+158.5% | $4,887+253.0% |