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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 | $58,865 | $50,947+15.5% | $74,551-21.0% | $64,173-8.3% |
| Participation rate | 64.7% | 61.1%+3.6pp | 69.1%-4.4pp | 69.6%-4.9pp |
| Annual return | -6.16% | -1.85%-4.3pp | 32.53%-38.7pp | 7.63%-13.8pp |
| Employer contribution / active EE | $1,256 | $1,115+12.6% | $1,961-36.0% | $2,381-47.3% |
| Participant deferral / active EE | $2,426 | $2,302+5.4% | $3,108-21.9% | $3,470-30.1% |
| Admin fee / account holder | $1,084 | $4,221-74.3% | $5,059-78.6% | $4,887-77.8% |