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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 | $59,386 | $48,267+23.0% | $68,808-13.7% | $68,486-13.3% |
| Participation rate | 64.9% | 60.7%+4.2pp | 69.0%-4.2pp | 67.9%-3.0pp |
| Annual return | -13.91% | -12.70%-1.2pp | -6.37%-7.5pp | -7.85%-6.1pp |
| Employer contribution / active EE | $2,042 | $1,829+11.6% | $2,656-23.1% | $2,597-21.4% |
| Participant deferral / active EE | $4,361 | $2,867+52.1% | $3,942+10.6% | $4,028+8.3% |
| Admin fee / account holder | $4,227 | $4,362-3.1% | $4,936-14.4% | $5,404-21.8% |