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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 | $71,246 | $71,873-0.9% | $86,698-17.8% | $68,490+4.0% |
| Participation rate | 63.4% | 72.2%-8.8pp | 76.6%-13.2pp | 67.9%-4.5pp |
| Annual return | -12.72% | 3.54%-16.3pp | 35.96%-48.7pp | -7.85%-4.9pp |
| Employer contribution / active EE | $1,831 | $2,173-15.7% | $2,837-35.5% | $2,597-29.5% |
| Participant deferral / active EE | $3,477 | $3,779-8.0% | $4,656-25.3% | $4,028-13.7% |
| Admin fee / account holder | $909 | $6,110-85.1% | $7,492-87.9% | $5,403-83.2% |