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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 | $69,211 | $52,836+31.0% | $105,738-34.5% | $64,173+7.9% |
| Participation rate | 60.4% | 66.5%-6.1pp | 76.3%-15.9pp | 69.6%-9.2pp |
| Annual return | -5.31% | 14.30%-19.6pp | 6.27%-11.6pp | 7.63%-12.9pp |
| Employer contribution / active EE | $945 | $1,827-48.3% | $3,268-71.1% | $2,381-60.3% |
| Participant deferral / active EE | $2,595 | $2,545+2.0% | $4,080-36.4% | $3,470-25.2% |
| Admin fee / account holder | $2,423 | $3,959-38.8% | $6,913-64.9% | $4,887-50.4% |