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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 | $67,501 | $64,719+4.3% | $112,249-39.9% | $68,486-1.4% |
| Participation rate | 57.7% | 67.2%-9.5pp | 75.1%-17.4pp | 67.9%-10.2pp |
| Annual return | -9.75% | -11.40%+1.6pp | 27.48%-37.2pp | -7.85%-1.9pp |
| Employer contribution / active EE | $1,986 | $2,747-27.7% | $3,636-45.4% | $2,597-23.5% |
| Participant deferral / active EE | $5,350 | $3,565+50.0% | $4,729+13.1% | $4,028+32.8% |
| Admin fee / account holder | $5,513 | $5,232+5.4% | $6,412-14.0% | $5,404+2.0% |