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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 | $45,712 | $50,947-10.3% | $74,551-38.7% | $64,173-28.8% |
| Participation rate | 68.0% | 61.1%+6.9pp | 69.1%-1.1pp | 69.6%-1.6pp |
| Annual return | -6.44% | -1.85%-4.6pp | 32.53%-39.0pp | 7.63%-14.1pp |
| Employer contribution / active EE | $885 | $1,115-20.6% | $1,961-54.9% | $2,381-62.8% |
| Participant deferral / active EE | $1,474 | $2,302-36.0% | $3,108-52.6% | $3,470-57.5% |
| Admin fee / account holder | $4,821 | $4,221+14.2% | $5,059-4.7% | $4,887-1.4% |