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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 | $70,984 | $56,484+25.7% | $169,452-58.1% | $64,173+10.6% |
| Participation rate | 45.5% | 64.5%-19.1pp | 77.8%-32.3pp | 69.6%-24.1pp |
| Annual return | -6.23% | -1.55%-4.7pp | 1.83%-8.1pp | 7.63%-13.9pp |
| Employer contribution / active EE | $1,761 | $1,832-3.9% | $4,157-57.6% | $2,381-26.0% |
| Participant deferral / active EE | $4,314 | $3,448+25.1% | $5,277-18.2% | $3,470+24.3% |
| Admin fee / account holder | $719 | $4,174-82.8% | $9,110-92.1% | $4,887-85.3% |