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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 | $60,172 | $62,583-3.9% | $76,767-21.6% | $64,173-6.2% |
| Participation rate | 51.7% | 72.8%-21.1pp | 77.0%-25.2pp | 69.6%-17.8pp |
| Annual return | -7.44% | -1.95%-5.5pp | 2.43%-9.9pp | 7.63%-15.1pp |
| Employer contribution / active EE | $575 | $1,832-68.6% | $2,485-76.9% | $2,381-75.9% |
| Participant deferral / active EE | $4,336 | $3,145+37.9% | $3,852+12.6% | $3,470+25.0% |
| Admin fee / account holder | $1,862 | $4,667-60.1% | $6,675-72.1% | $4,887-61.9% |