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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 | $36,804 | $61,660-40.3% | $80,022-54.0% | $64,173-42.6% |
| Participation rate | 65.1% | 71.7%-6.6pp | 75.8%-10.8pp | 69.6%-4.5pp |
| Annual return | 0.16% | -0.33%+0.5pp | 11.22%-11.1pp | 7.63%-7.5pp |
| Employer contribution / active EE | $0 | $1,810-100.0% | $2,468-100.0% | $2,381-100.0% |
| Participant deferral / active EE | $2,123 | $2,968-28.5% | $3,686-42.4% | $3,470-38.8% |
| Admin fee / account holder | $1,010 | $5,417-81.4% | $6,521-84.5% | $4,887-79.3% |