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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 | $64,705 | $50,947+27.0% | $74,551-13.2% | $64,173+0.8% |
| Participation rate | 65.1% | 61.1%+4.0pp | 69.1%-4.1pp | 69.6%-4.5pp |
| Annual return | -4.38% | -1.85%-2.5pp | 32.53%-36.9pp | 7.63%-12.0pp |
| Employer contribution / active EE | $481 | $1,115-56.9% | $1,961-75.5% | $2,381-79.8% |
| Participant deferral / active EE | $4,520 | $2,302+96.4% | $3,108+45.4% | $3,470+30.3% |
| Admin fee / account holder | $1,957 | $4,221-53.6% | $5,059-61.3% | $4,887-60.0% |