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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 | $55,569 | $50,947+9.1% | $74,551-25.5% | $64,173-13.4% |
| Participation rate | 67.1% | 61.1%+6.0pp | 69.1%-2.0pp | 69.6%-2.5pp |
| Annual return | -5.55% | -1.85%-3.7pp | 32.53%-38.1pp | 7.63%-13.2pp |
| Employer contribution / active EE | $2,025 | $1,115+81.6% | $1,961+3.3% | $2,381-14.9% |
| Participant deferral / active EE | $4,713 | $2,302+104.8% | $3,108+51.6% | $3,470+35.8% |
| Admin fee / account holder | $5,034 | $4,221+19.3% | $5,059-0.5% | $4,887+3.0% |