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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 | $54,767 | $50,947+7.5% | $74,551-26.5% | $64,173-14.7% |
| Participation rate | 48.5% | 61.1%-12.6pp | 69.1%-20.7pp | 69.6%-21.1pp |
| Annual return | -5.32% | -1.85%-3.5pp | 32.53%-37.9pp | 7.63%-13.0pp |
| Employer contribution / active EE | $922 | $1,115-17.3% | $1,961-53.0% | $2,381-61.3% |
| Participant deferral / active EE | $1,946 | $2,302-15.5% | $3,108-37.4% | $3,470-43.9% |
| Admin fee / account holder | $5,598 | $4,221+32.6% | $5,059+10.6% | $4,887+14.5% |