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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 | $60,479 | $61,660-1.9% | $80,022-24.4% | $64,173-5.8% |
| Participation rate | 47.3% | 71.7%-24.4pp | 75.8%-28.6pp | 69.6%-22.3pp |
| Annual return | -4.27% | -0.33%-3.9pp | 11.22%-15.5pp | 7.63%-11.9pp |
| Employer contribution / active EE | $0 | $1,810-100.0% | $2,468-100.0% | $2,381-100.0% |
| Participant deferral / active EE | $1,865 | $2,968-37.1% | $3,686-49.4% | $3,470-46.2% |
| Admin fee / account holder | $6,436 | $5,417+18.8% | $6,521-1.3% | $4,887+31.7% |