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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 | $60,892 | $65,704-7.3% | $94,229-35.4% | $59,633+2.1% |
| Participation rate | 60.7% | 72.1%-11.4pp | 78.8%-18.1pp | 68.7%-8.0pp |
| Annual return | -0.61% | 5.22%-5.8pp | 10.68%-11.3pp | 2041.45%-2042.1pp |
| Employer contribution / active EE | $2,407 | $2,021+19.1% | $3,587-32.9% | $2,203+9.3% |
| Participant deferral / active EE | $4,347 | $3,143+38.3% | $4,320+0.6% | $3,192+36.2% |
| Admin fee / account holder | $3,754 | $4,265-12.0% | $6,269-40.1% | $4,297-12.6% |