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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 | $71,234 | $71,891-0.9% | $86,690-17.8% | $68,498+4.0% |
| Participation rate | 60.0% | 72.2%-12.2pp | 76.6%-16.6pp | 67.9%-7.9pp |
| Annual return | -14.40% | 3.53%-17.9pp | 35.93%-50.3pp | -7.84%-6.6pp |
| Employer contribution / active EE | $965 | $2,173-55.6% | $2,837-66.0% | $2,596-62.8% |
| Participant deferral / active EE | $3,421 | $3,779-9.5% | $4,656-26.5% | $4,027-15.1% |
| Admin fee / account holder | $6,174 | $6,112+1.0% | $7,490-17.6% | $5,403+14.3% |