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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 | $48,331 | $54,162-10.8% | $68,612-29.6% | $64,173-24.7% |
| Participation rate | 53.8% | 68.1%-14.2pp | 72.2%-18.4pp | 69.6%-15.7pp |
| Annual return | 2.72% | -1.62%+4.3pp | -4.63%+7.4pp | 7.63%-4.9pp |
| Employer contribution / active EE | $0 | $1,846-100.0% | $2,625-100.0% | $2,381-100.0% |
| Participant deferral / active EE | $2,166 | $2,626-17.5% | $3,311-34.6% | $3,470-37.6% |
| Admin fee / account holder | $831 | $4,029-79.4% | $5,131-83.8% | $4,887-83.0% |