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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 | $72,920 | $59,819+21.9% | $79,583-8.4% | $68,490+6.5% |
| Participation rate | 61.8% | 61.1%+0.8pp | 69.5%-7.7pp | 67.9%-6.1pp |
| Annual return | -12.66% | -12.30%-0.4pp | 0.16%-12.8pp | -7.85%-4.8pp |
| Employer contribution / active EE | $848 | $1,505-43.7% | $2,414-64.9% | $2,597-67.3% |
| Participant deferral / active EE | $5,051 | $3,025+67.0% | $3,986+26.7% | $4,028+25.4% |
| Admin fee / account holder | $2,629 | $4,835-45.6% | $6,835-61.5% | $5,403-51.3% |