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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 | $72,508 | $53,596+35.3% | $90,657-20.0% | $64,173+13.0% |
| Participation rate | 53.3% | 64.5%-11.2pp | 74.0%-20.7pp | 69.6%-16.2pp |
| Annual return | -6.92% | 4.41%-11.3pp | 1.89%-8.8pp | 7.63%-14.6pp |
| Employer contribution / active EE | $871 | $1,503-42.0% | $2,532-65.6% | $2,381-63.4% |
| Participant deferral / active EE | $3,502 | $2,459+42.4% | $3,424+2.3% | $3,470+0.9% |
| Admin fee / account holder | $6,298 | $3,868+62.8% | $4,994+26.1% | $4,887+28.9% |