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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 | $73,421 | $58,600+25.3% | $83,327-11.9% | $64,173+14.4% |
| Participation rate | 67.2% | 72.0%-4.8pp | 77.8%-10.5pp | 69.6%-2.4pp |
| Annual return | -6.79% | 9.66%-16.4pp | 10.64%-17.4pp | 7.63%-14.4pp |
| Employer contribution / active EE | $2,213 | $2,098+5.5% | $3,379-34.5% | $2,381-7.0% |
| Participant deferral / active EE | $5,273 | $4,656+13.3% | $5,565-5.3% | $3,470+52.0% |
| Admin fee / account holder | $3,367 | $9,282-63.7% | $7,540-55.3% | $4,887-31.1% |