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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 | $50,429 | $62,589-19.4% | $76,768-34.3% | $64,173-21.4% |
| Participation rate | 64.3% | 72.8%-8.5pp | 77.0%-12.7pp | 69.6%-5.3pp |
| Annual return | -3.89% | -1.95%-1.9pp | 2.43%-6.3pp | 7.63%-11.5pp |
| Employer contribution / active EE | $641 | $1,832-65.0% | $2,485-74.2% | $2,381-73.1% |
| Participant deferral / active EE | $1,716 | $3,145-45.4% | $3,852-55.4% | $3,470-50.5% |
| Admin fee / account holder | $2,980 | $4,667-36.1% | $6,675-55.4% | $4,887-39.0% |