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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 | $49,378 | $56,484-12.6% | $169,452-70.9% | $64,173-23.1% |
| Participation rate | 68.4% | 64.5%+3.9pp | 77.8%-9.4pp | 69.6%-1.1pp |
| Annual return | -1.27% | -1.55%+0.3pp | 1.83%-3.1pp | 7.63%-8.9pp |
| Employer contribution / active EE | $675 | $1,832-63.1% | $4,157-83.8% | $2,381-71.6% |
| Participant deferral / active EE | $7,002 | $3,448+103.1% | $5,277+32.7% | $3,470+101.8% |
| Admin fee / account holder | $5,183 | $4,174+24.2% | $9,110-43.1% | $4,887+6.1% |