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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 | $65,524 | $71,230-8.0% | $93,727-30.1% | $80,959-19.1% |
| Participation rate | 62.2% | 60.4%+1.8pp | 68.7%-6.5pp | 67.7%-5.5pp |
| Annual return | 12.42% | 11.26%+1.2pp | 133.83%-121.4pp | 35.67%-23.2pp |
| Employer contribution / active EE | $1,568 | $1,565+0.2% | $2,421-35.2% | $2,757-43.1% |
| Participant deferral / active EE | $3,832 | $4,037-5.1% | $4,417-13.3% | $4,300-10.9% |
| Admin fee / account holder | $723 | $6,961-89.6% | $8,292-91.3% | $6,925-89.6% |