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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 | $76,672 | $48,267+58.9% | $68,808+11.4% | $68,486+12.0% |
| Participation rate | 55.8% | 60.7%-4.9pp | 69.0%-13.2pp | 67.9%-12.1pp |
| Annual return | -14.44% | -12.70%-1.7pp | -6.37%-8.1pp | -7.85%-6.6pp |
| Employer contribution / active EE | $1,405 | $1,829-23.2% | $2,656-47.1% | $2,597-45.9% |
| Participant deferral / active EE | $2,804 | $2,867-2.2% | $3,942-28.9% | $4,028-30.4% |
| Admin fee / account holder | $3,135 | $4,362-28.1% | $4,936-36.5% | $5,404-42.0% |