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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 | $123,033 | $53,596+129.6% | $90,655+35.7% | $64,181+91.7% |
| Participation rate | 62.5% | 64.5%-2.0pp | 74.0%-11.5pp | 69.6%-7.1pp |
| Annual return | -3.75% | 4.41%-8.2pp | 1.89%-5.6pp | 7.63%-11.4pp |
| Employer contribution / active EE | $1,679 | $1,503+11.7% | $2,532-33.7% | $2,381-29.5% |
| Participant deferral / active EE | $3,643 | $2,459+48.2% | $3,425+6.4% | $3,470+5.0% |
| Admin fee / account holder | $6,270 | $3,868+62.1% | $4,994+25.5% | $4,887+28.3% |