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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 | $51,862 | $49,280+5.2% | $67,313-23.0% | $64,173-19.2% |
| Participation rate | 56.4% | 60.8%-4.4pp | 69.1%-12.7pp | 69.6%-13.2pp |
| Annual return | -4.86% | -1.39%-3.5pp | -4.08%-0.8pp | 7.63%-12.5pp |
| Employer contribution / active EE | $469 | $1,668-71.9% | $2,566-81.7% | $2,381-80.3% |
| Participant deferral / active EE | $2,719 | $2,484+9.4% | $3,568-23.8% | $3,470-21.6% |
| Admin fee / account holder | $6,608 | $3,863+71.1% | $4,507+46.6% | $4,887+35.2% |