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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 | $53,599 | $62,583-14.4% | $76,767-30.2% | $64,173-16.5% |
| Participation rate | 66.7% | 72.8%-6.2pp | 77.0%-10.3pp | 69.6%-2.9pp |
| Annual return | -5.92% | -1.95%-4.0pp | 2.43%-8.4pp | 7.63%-13.6pp |
| Employer contribution / active EE | $425 | $1,832-76.8% | $2,485-82.9% | $2,381-82.1% |
| Participant deferral / active EE | $3,086 | $3,145-1.9% | $3,852-19.9% | $3,470-11.1% |
| Admin fee / account holder | $9,258 | $4,667+98.4% | $6,675+38.7% | $4,887+89.4% |