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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 | $60,987 | $64,719-5.8% | $112,249-45.7% | $68,486-10.9% |
| Participation rate | 61.4% | 67.2%-5.7pp | 75.1%-13.7pp | 67.9%-6.5pp |
| Annual return | -15.52% | -11.40%-4.1pp | 27.48%-43.0pp | -7.85%-7.7pp |
| Employer contribution / active EE | $2,416 | $2,747-12.0% | $3,636-33.6% | $2,597-7.0% |
| Participant deferral / active EE | $4,681 | $3,565+31.3% | $4,729-1.0% | $4,028+16.2% |
| Admin fee / account holder | $2,659 | $5,232-49.2% | $6,412-58.5% | $5,404-50.8% |