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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 | $68,810 | $62,583+10.0% | $76,767-10.4% | $64,173+7.2% |
| Participation rate | 66.3% | 72.8%-6.6pp | 77.0%-10.7pp | 69.6%-3.3pp |
| Annual return | -5.40% | -1.95%-3.4pp | 2.43%-7.8pp | 7.63%-13.0pp |
| Employer contribution / active EE | $433 | $1,832-76.4% | $2,485-82.6% | $2,381-81.8% |
| Participant deferral / active EE | $2,687 | $3,145-14.6% | $3,852-30.2% | $3,470-22.5% |
| Admin fee / account holder | $8,115 | $4,667+73.9% | $6,675+21.6% | $4,887+66.0% |