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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 | $78,004 | $71,878+8.5% | $86,698-10.0% | $68,486+13.9% |
| Participation rate | 59.1% | 72.2%-13.2pp | 76.6%-17.5pp | 67.9%-8.8pp |
| Annual return | -2.50% | 3.53%-6.0pp | 35.95%-38.4pp | -7.85%+5.4pp |
| Employer contribution / active EE | $624 | $2,173-71.3% | $2,837-78.0% | $2,597-76.0% |
| Participant deferral / active EE | $3,215 | $3,779-14.9% | $4,656-30.9% | $4,028-20.2% |
| Admin fee / account holder | $739 | $6,113-87.9% | $7,493-90.1% | $5,404-86.3% |