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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 | $66,529 | $53,596+24.1% | $90,657-26.6% | $64,173+3.7% |
| Participation rate | 56.4% | 64.5%-8.1pp | 74.0%-17.6pp | 69.6%-13.2pp |
| Annual return | -5.67% | 4.41%-10.1pp | 1.89%-7.6pp | 7.63%-13.3pp |
| Employer contribution / active EE | $318 | $1,503-78.9% | $2,532-87.5% | $2,381-86.7% |
| Participant deferral / active EE | $4,208 | $2,459+71.2% | $3,424+22.9% | $3,470+21.3% |
| Admin fee / account holder | $26,368 | $3,868+581.7% | $4,994+427.9% | $4,887+439.5% |