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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 | $56,745 | $62,583-9.3% | $76,767-26.1% | $64,173-11.6% |
| Participation rate | 63.6% | 72.8%-9.2pp | 77.0%-13.3pp | 69.6%-5.9pp |
| Annual return | -4.98% | -1.95%-3.0pp | 2.43%-7.4pp | 7.63%-12.6pp |
| Employer contribution / active EE | $1,815 | $1,832-0.9% | $2,485-27.0% | $2,381-23.8% |
| Participant deferral / active EE | $4,357 | $3,145+38.5% | $3,852+13.1% | $3,470+25.6% |
| Admin fee / account holder | $10,787 | $4,667+131.1% | $6,675+61.6% | $4,887+120.7% |