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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 | $55,146 | $59,819-7.8% | $79,583-30.7% | $68,490-19.5% |
| Participation rate | 68.1% | 61.1%+7.1pp | 69.5%-1.4pp | 67.9%+0.2pp |
| Annual return | -19.17% | -12.30%-6.9pp | 0.16%-19.3pp | -7.85%-11.3pp |
| Employer contribution / active EE | $2,018 | $1,505+34.0% | $2,414-16.4% | $2,597-22.3% |
| Participant deferral / active EE | $5,091 | $3,025+68.3% | $3,986+27.7% | $4,028+26.4% |
| Admin fee / account holder | $2,269 | $4,835-53.1% | $6,835-66.8% | $5,403-58.0% |