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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 | $70,587 | $56,484+25.0% | $169,452-58.3% | $64,173+10.0% |
| Participation rate | 67.8% | 64.5%+3.2pp | 77.8%-10.0pp | 69.6%-1.8pp |
| Annual return | -4.89% | -1.55%-3.3pp | 1.83%-6.7pp | 7.63%-12.5pp |
| Employer contribution / active EE | $2,710 | $1,832+47.9% | $4,157-34.8% | $2,381+13.8% |
| Participant deferral / active EE | $6,043 | $3,448+75.3% | $5,277+14.5% | $3,470+74.2% |
| Admin fee / account holder | $7,226 | $4,174+73.1% | $9,110-20.7% | $4,887+47.9% |