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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 | $74,954 | $62,583+19.8% | $76,767-2.4% | $64,173+16.8% |
| Participation rate | 20.0% | 72.8%-52.8pp | 77.0%-57.0pp | 69.6%-49.6pp |
| Annual return | -4.13% | -1.95%-2.2pp | 2.43%-6.6pp | 7.63%-11.8pp |
| Employer contribution / active EE | $1,986 | $1,832+8.4% | $2,485-20.1% | $2,381-16.6% |
| Participant deferral / active EE | $7,018 | $3,145+123.2% | $3,852+82.2% | $3,470+102.3% |
| Admin fee / account holder | $7,745 | $4,667+66.0% | $6,675+16.0% | $4,887+58.5% |