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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 | $73,047 | $62,583+16.7% | $76,767-4.8% | $64,173+13.8% |
| Participation rate | 61.2% | 72.8%-11.6pp | 77.0%-15.8pp | 69.6%-8.4pp |
| Annual return | -6.16% | -1.95%-4.2pp | 2.43%-8.6pp | 7.63%-13.8pp |
| Employer contribution / active EE | $1,287 | $1,832-29.7% | $2,485-48.2% | $2,381-45.9% |
| Participant deferral / active EE | $2,348 | $3,145-25.3% | $3,852-39.0% | $3,470-32.3% |
| Admin fee / account holder | $3,218 | $4,667-31.0% | $6,675-51.8% | $4,887-34.2% |