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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 | $62,695 | $77,816-19.4% | $123,552-49.3% | $64,173-2.3% |
| Participation rate | 63.3% | 74.7%-11.4pp | 82.3%-19.0pp | 69.6%-6.2pp |
| Annual return | -6.27% | 12.49%-18.8pp | 119.20%-125.5pp | 7.63%-13.9pp |
| Employer contribution / active EE | $1,961 | $3,014-34.9% | $4,628-57.6% | $2,381-17.6% |
| Participant deferral / active EE | $3,745 | $5,240-28.5% | $6,426-41.7% | $3,470+7.9% |
| Admin fee / account holder | $1,762 | $5,519-68.1% | $9,285-81.0% | $4,887-63.9% |