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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 | $54,273 | $49,177+10.4% | $79,467-31.7% | $64,173-15.4% |
| Participation rate | 65.6% | 65.0%+0.6pp | 73.3%-7.7pp | 69.6%-3.9pp |
| Annual return | -5.82% | -1.16%-4.7pp | 718.30%-724.1pp | 7.63%-13.5pp |
| Employer contribution / active EE | $1,160 | $2,076-44.1% | $2,800-58.6% | $2,381-51.3% |
| Participant deferral / active EE | $3,027 | $2,821+7.3% | $3,704-18.3% | $3,470-12.8% |
| Admin fee / account holder | $1,344 | $3,839-65.0% | $5,104-73.7% | $4,887-72.5% |