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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 | $44,313 | $50,947-13.0% | $74,551-40.6% | $64,173-30.9% |
| Participation rate | 60.4% | 61.1%-0.6pp | 69.1%-8.7pp | 69.6%-9.1pp |
| Annual return | -4.77% | -1.85%-2.9pp | 32.53%-37.3pp | 7.63%-12.4pp |
| Employer contribution / active EE | $480 | $1,115-57.0% | $1,961-75.5% | $2,381-79.8% |
| Participant deferral / active EE | $2,528 | $2,302+9.8% | $3,108-18.7% | $3,470-27.1% |
| Admin fee / account holder | $7,217 | $4,221+71.0% | $5,059+42.7% | $4,887+47.7% |