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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 | $45,433 | $50,947-10.8% | $74,549-39.1% | $64,173-29.2% |
| Participation rate | 67.1% | 61.1%+6.1pp | 69.1%-2.0pp | 69.6%-2.4pp |
| Annual return | -7.43% | -1.85%-5.6pp | 32.53%-40.0pp | 7.63%-15.1pp |
| Employer contribution / active EE | $234 | $1,115-79.1% | $1,961-88.1% | $2,381-90.2% |
| Participant deferral / active EE | $2,306 | $2,302+0.2% | $3,108-25.8% | $3,470-33.5% |
| Admin fee / account holder | $2,294 | $4,221-45.6% | $5,059-54.6% | $4,887-53.1% |