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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 | $46,359 | $56,484-17.9% | $169,452-72.6% | $64,173-27.8% |
| Participation rate | 68.6% | 64.5%+4.0pp | 77.8%-9.2pp | 69.6%-1.0pp |
| Annual return | -6.42% | -1.55%-4.9pp | 1.83%-8.2pp | 7.63%-14.1pp |
| Employer contribution / active EE | $1,549 | $1,832-15.5% | $4,157-62.7% | $2,381-34.9% |
| Participant deferral / active EE | $6,827 | $3,448+98.0% | $5,277+29.4% | $3,470+96.8% |
| Admin fee / account holder | $1,586 | $4,174-62.0% | $9,110-82.6% | $4,887-67.6% |