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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 | $59,450 | $50,947+16.7% | $74,551-20.3% | $64,173-7.4% |
| Participation rate | 62.7% | 61.1%+1.7pp | 69.1%-6.4pp | 69.6%-6.9pp |
| Annual return | -5.68% | -1.85%-3.8pp | 32.53%-38.2pp | 7.63%-13.3pp |
| Employer contribution / active EE | $518 | $1,115-53.5% | $1,961-73.6% | $2,381-78.2% |
| Participant deferral / active EE | $2,606 | $2,302+13.2% | $3,108-16.2% | $3,470-24.9% |
| Admin fee / account holder | $4,365 | $4,221+3.4% | $5,059-13.7% | $4,887-10.7% |