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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 | $63,248 | $72,177-12.4% | $115,038-45.0% | $59,633+6.1% |
| Participation rate | 58.3% | 72.6%-14.2pp | 81.4%-23.0pp | 68.7%-10.3pp |
| Annual return | -0.54% | 12.02%-12.6pp | 26.14%-26.7pp | 2041.45%-2042.0pp |
| Employer contribution / active EE | $971 | $2,841-65.8% | $4,608-78.9% | $2,203-55.9% |
| Participant deferral / active EE | $3,273 | $4,783-31.6% | $6,026-45.7% | $3,192+2.6% |
| Admin fee / account holder | $6,463 | $4,927+31.2% | $8,175-21.0% | $4,297+50.4% |