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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 | $44,289 | $45,438-2.5% | $80,004-44.6% | $59,633-25.7% |
| Participation rate | 69.8% | 63.7%+6.1pp | 73.0%-3.2pp | 68.7%+1.2pp |
| Annual return | -1.25% | 5.10%-6.3pp | 7.63%-8.9pp | 2041.45%-2042.7pp |
| Employer contribution / active EE | $751 | $1,236-39.2% | $2,473-69.6% | $2,203-65.9% |
| Participant deferral / active EE | $3,270 | $2,231+46.6% | $3,204+2.1% | $3,192+2.4% |
| Admin fee / account holder | $1,482 | $3,464-57.2% | $5,033-70.6% | $4,297-65.5% |