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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 | $62,711 | $50,947+23.1% | $74,551-15.9% | $64,173-2.3% |
| Participation rate | 43.4% | 61.1%-17.7pp | 69.1%-25.8pp | 69.6%-26.2pp |
| Annual return | -5.05% | -1.85%-3.2pp | 32.53%-37.6pp | 7.63%-12.7pp |
| Employer contribution / active EE | $717 | $1,115-35.7% | $1,961-63.4% | $2,381-69.9% |
| Participant deferral / active EE | $2,007 | $2,302-12.8% | $3,108-35.4% | $3,470-42.1% |
| Admin fee / account holder | $5,684 | $4,221+34.7% | $5,059+12.4% | $4,887+16.3% |