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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 | $55,554 | $50,947+9.0% | $74,551-25.5% | $64,173-13.4% |
| Participation rate | 41.7% | 61.1%-19.4pp | 69.1%-27.5pp | 69.6%-27.9pp |
| Annual return | -6.77% | -1.85%-4.9pp | 32.53%-39.3pp | 7.63%-14.4pp |
| Employer contribution / active EE | $877 | $1,115-21.4% | $1,961-55.3% | $2,381-63.2% |
| Participant deferral / active EE | $2,704 | $2,302+17.5% | $3,108-13.0% | $3,470-22.1% |
| Admin fee / account holder | $3,306 | $4,221-21.7% | $5,059-34.7% | $4,887-32.4% |