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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 | $55,613 | $56,484-1.5% | $169,452-67.2% | $64,173-13.3% |
| Participation rate | 68.1% | 64.5%+3.6pp | 77.8%-9.7pp | 69.6%-1.5pp |
| Annual return | -5.13% | -1.55%-3.6pp | 1.83%-7.0pp | 7.63%-12.8pp |
| Employer contribution / active EE | $1,764 | $1,832-3.8% | $4,157-57.6% | $2,381-25.9% |
| Participant deferral / active EE | $2,914 | $3,448-15.5% | $5,277-44.8% | $3,470-16.0% |
| Admin fee / account holder | $5,220 | $4,174+25.1% | $9,110-42.7% | $4,887+6.8% |