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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 | $59,506 | $50,947+16.8% | $74,549-20.2% | $64,173-7.3% |
| Participation rate | 53.7% | 61.1%-7.4pp | 69.1%-15.4pp | 69.6%-15.9pp |
| Annual return | -6.81% | -1.85%-5.0pp | 32.53%-39.3pp | 7.63%-14.4pp |
| Employer contribution / active EE | $1,907 | $1,115+71.0% | $1,961-2.8% | $2,381-19.9% |
| Participant deferral / active EE | $3,528 | $2,302+53.3% | $3,108+13.5% | $3,470+1.7% |
| Admin fee / account holder | $885 | $4,221-79.0% | $5,059-82.5% | $4,887-81.9% |