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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 | $42,575 | $53,596-20.6% | $90,657-53.0% | $64,173-33.7% |
| Participation rate | 59.4% | 64.5%-5.1pp | 74.0%-14.7pp | 69.6%-10.2pp |
| Annual return | -5.86% | 4.41%-10.3pp | 1.89%-7.7pp | 7.63%-13.5pp |
| Employer contribution / active EE | $934 | $1,503-37.9% | $2,532-63.1% | $2,381-60.8% |
| Participant deferral / active EE | $5,184 | $2,459+110.8% | $3,424+51.4% | $3,470+49.4% |
| Admin fee / account holder | $4,087 | $3,868+5.7% | $4,994-18.2% | $4,887-16.4% |