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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 | $46,970 | $50,947-7.8% | $74,549-37.0% | $64,173-26.8% |
| Participation rate | 59.1% | 61.1%-2.0pp | 69.1%-10.1pp | 69.6%-10.5pp |
| Annual return | -6.04% | -1.85%-4.2pp | 32.53%-38.6pp | 7.63%-13.7pp |
| Employer contribution / active EE | $209 | $1,115-81.3% | $1,961-89.4% | $2,381-91.2% |
| Participant deferral / active EE | $4,072 | $2,302+76.9% | $3,108+31.0% | $3,470+17.3% |
| Admin fee / account holder | $3,606 | $4,221-14.6% | $5,059-28.7% | $4,887-26.2% |