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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 | $66,080 | $62,589+5.6% | $76,768-13.9% | $64,173+3.0% |
| Participation rate | 55.6% | 72.8%-17.3pp | 77.0%-21.4pp | 69.6%-14.0pp |
| Annual return | 1.37% | -1.95%+3.3pp | 2.43%-1.1pp | 7.63%-6.3pp |
| Employer contribution / active EE | $1,017 | $1,832-44.5% | $2,485-59.1% | $2,381-57.3% |
| Participant deferral / active EE | $3,125 | $3,145-0.6% | $3,852-18.9% | $3,470-9.9% |
| Admin fee / account holder | $697 | $4,667-85.1% | $6,675-89.6% | $4,887-85.7% |