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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 | $70,629 | $77,816-9.2% | $123,552-42.8% | $64,173+10.1% |
| Participation rate | 60.3% | 74.7%-14.4pp | 82.3%-22.0pp | 69.6%-9.3pp |
| Annual return | -4.86% | 12.49%-17.3pp | 119.20%-124.1pp | 7.63%-12.5pp |
| Employer contribution / active EE | $1,594 | $3,014-47.1% | $4,628-65.6% | $2,381-33.1% |
| Participant deferral / active EE | $3,630 | $5,240-30.7% | $6,426-43.5% | $3,470+4.6% |
| Admin fee / account holder | $3,376 | $5,519-38.8% | $9,285-63.6% | $4,887-30.9% |