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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 | $74,645 | $71,873+3.9% | $86,698-13.9% | $68,490+9.0% |
| Participation rate | 60.0% | 72.2%-12.2pp | 76.6%-16.6pp | 67.9%-7.9pp |
| Annual return | -14.52% | 3.54%-18.1pp | 35.96%-50.5pp | -7.85%-6.7pp |
| Employer contribution / active EE | $1,167 | $2,173-46.3% | $2,837-58.9% | $2,597-55.1% |
| Participant deferral / active EE | $2,295 | $3,779-39.3% | $4,656-50.7% | $4,028-43.0% |
| Admin fee / account holder | $7,384 | $6,110+20.8% | $7,492-1.4% | $5,403+36.7% |