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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 | $64,133 | $41,377+55.0% | $109,313-41.3% | $62,881+2.0% |
| Participation rate | 55.6% | 57.5%-2.0pp | 71.3%-15.7pp | 69.3%-13.7pp |
| Annual return | 6.74% | 11.05%-4.3pp | 22.07%-15.3pp | 20.14%-13.4pp |
| Employer contribution / active EE | $1,555 | $1,276+21.9% | $3,892-60.0% | $2,281-31.8% |
| Participant deferral / active EE | $2,025 | $2,045-1.0% | $3,166-36.1% | $3,203-36.8% |
| Admin fee / account holder | $1,478 | $2,884-48.8% | $5,666-73.9% | $4,296-65.6% |