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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 | $65,031 | $61,660+5.5% | $80,022-18.7% | $64,173+1.3% |
| Participation rate | 57.1% | 71.7%-14.5pp | 75.8%-18.7pp | 69.6%-12.4pp |
| Annual return | -2.01% | -0.33%-1.7pp | 11.22%-13.2pp | 7.63%-9.6pp |
| Employer contribution / active EE | $0 | $1,810-100.0% | $2,468-100.0% | $2,381-100.0% |
| Participant deferral / active EE | $1,586 | $2,968-46.5% | $3,686-57.0% | $3,470-54.3% |
| Admin fee / account holder | $4,714 | $5,417-13.0% | $6,521-27.7% | $4,887-3.5% |