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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 | $83,383 | $48,267+72.8% | $68,808+21.2% | $68,486+21.8% |
| Participation rate | 63.3% | 60.7%+2.7pp | 69.0%-5.7pp | 67.9%-4.6pp |
| Annual return | -9.51% | -12.70%+3.2pp | -6.37%-3.1pp | -7.85%-1.7pp |
| Employer contribution / active EE | $452 | $1,829-75.3% | $2,656-83.0% | $2,597-82.6% |
| Participant deferral / active EE | $4,392 | $2,867+53.2% | $3,942+11.4% | $4,028+9.0% |
| Admin fee / account holder | $374 | $4,362-91.4% | $4,936-92.4% | $5,404-93.1% |