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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 | $76,580 | $54,162+41.4% | $68,612+11.6% | $64,173+19.3% |
| Participation rate | 56.1% | 68.1%-12.0pp | 72.2%-16.2pp | 69.6%-13.5pp |
| Annual return | -2.41% | -1.62%-0.8pp | -4.63%+2.2pp | 7.63%-10.0pp |
| Employer contribution / active EE | $1,336 | $1,846-27.6% | $2,625-49.1% | $2,381-43.9% |
| Participant deferral / active EE | $2,786 | $2,626+6.1% | $3,311-15.9% | $3,470-19.7% |
| Admin fee / account holder | $2,949 | $4,029-26.8% | $5,131-42.5% | $4,887-39.7% |