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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 | $52,665 | $61,660-14.6% | $80,022-34.2% | $64,173-17.9% |
| Participation rate | 67.9% | 71.7%-3.8pp | 75.8%-8.0pp | 69.6%-1.7pp |
| Annual return | -5.76% | -0.33%-5.4pp | 11.22%-17.0pp | 7.63%-13.4pp |
| Employer contribution / active EE | $954 | $1,810-47.3% | $2,468-61.4% | $2,381-59.9% |
| Participant deferral / active EE | $3,069 | $2,968+3.4% | $3,686-16.7% | $3,470-11.5% |
| Admin fee / account holder | $3,017 | $5,417-44.3% | $6,521-53.7% | $4,887-38.3% |