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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 | $62,426 | $62,586-0.3% | $76,766-18.7% | $64,181-2.7% |
| Participation rate | 48.2% | 72.8%-24.6pp | 77.0%-28.8pp | 69.6%-21.4pp |
| Annual return | -5.37% | -1.95%-3.4pp | 2.43%-7.8pp | 7.63%-13.0pp |
| Employer contribution / active EE | $2,469 | $1,832+34.8% | $2,485-0.6% | $2,381+3.7% |
| Participant deferral / active EE | $0 | $3,145-100.0% | $3,851-100.0% | $3,470-100.0% |
| Admin fee / account holder | $2,420 | $4,667-48.1% | $6,675-63.7% | $4,887-50.5% |