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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 | $56,976 | $62,589-9.0% | $76,768-25.8% | $64,173-11.2% |
| Participation rate | 68.3% | 72.8%-4.5pp | 77.0%-8.7pp | 69.6%-1.3pp |
| Annual return | -6.16% | -1.95%-4.2pp | 2.43%-8.6pp | 7.63%-13.8pp |
| Employer contribution / active EE | $1,324 | $1,832-27.7% | $2,485-46.7% | $2,381-44.4% |
| Participant deferral / active EE | $3,009 | $3,145-4.3% | $3,852-21.9% | $3,470-13.3% |
| Admin fee / account holder | $11,841 | $4,667+153.7% | $6,675+77.4% | $4,887+142.3% |