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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 | $68,524 | $61,660+11.1% | $80,022-14.4% | $64,173+6.8% |
| Participation rate | 46.4% | 71.7%-25.3pp | 75.8%-29.4pp | 69.6%-23.1pp |
| Annual return | -6.47% | -0.33%-6.1pp | 11.22%-17.7pp | 7.63%-14.1pp |
| Employer contribution / active EE | $1,071 | $1,810-40.8% | $2,468-56.6% | $2,381-55.0% |
| Participant deferral / active EE | $2,819 | $2,968-5.0% | $3,686-23.5% | $3,470-18.8% |
| Admin fee / account holder | $475 | $5,417-91.2% | $6,521-92.7% | $4,887-90.3% |