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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 | $70,917 | $61,660+15.0% | $80,022-11.4% | $64,173+10.5% |
| Participation rate | 69.4% | 71.7%-2.3pp | 75.8%-6.4pp | 69.6%-0.2pp |
| Annual return | -6.89% | -0.33%-6.6pp | 11.22%-18.1pp | 7.63%-14.5pp |
| Employer contribution / active EE | $545 | $1,810-69.9% | $2,468-77.9% | $2,381-77.1% |
| Participant deferral / active EE | $2,776 | $2,968-6.5% | $3,686-24.7% | $3,470-20.0% |
| Admin fee / account holder | $1,400 | $5,417-74.2% | $6,521-78.5% | $4,887-71.4% |