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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 | $54,746 | $50,947+7.5% | $74,551-26.6% | $64,173-14.7% |
| Participation rate | 55.8% | 61.1%-5.2pp | 69.1%-13.3pp | 69.6%-13.8pp |
| Annual return | -6.02% | -1.85%-4.2pp | 32.53%-38.6pp | 7.63%-13.7pp |
| Employer contribution / active EE | $1,156 | $1,115+3.6% | $1,961-41.1% | $2,381-51.5% |
| Participant deferral / active EE | $2,963 | $2,302+28.7% | $3,108-4.7% | $3,470-14.6% |
| Admin fee / account holder | $3,671 | $4,221-13.0% | $5,059-27.4% | $4,887-24.9% |