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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 | $21,566 | $50,947-57.7% | $74,551-71.1% | $64,173-66.4% |
| Participation rate | 65.6% | 61.1%+4.6pp | 69.1%-3.5pp | 69.6%-3.9pp |
| Annual return | -7.24% | -1.85%-5.4pp | 32.53%-39.8pp | 7.63%-14.9pp |
| Employer contribution / active EE | $1,672 | $1,115+49.9% | $1,961-14.7% | $2,381-29.8% |
| Participant deferral / active EE | $3,219 | $2,302+39.9% | $3,108+3.6% | $3,470-7.2% |
| Admin fee / account holder | $4,181 | $4,221-1.0% | $5,059-17.4% | $4,887-14.5% |