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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 | $59,156 | $61,660-4.1% | $80,022-26.1% | $64,173-7.8% |
| Participation rate | 64.5% | 71.7%-7.2pp | 75.8%-11.3pp | 69.6%-5.1pp |
| Annual return | -3.14% | -0.33%-2.8pp | 11.22%-14.4pp | 7.63%-10.8pp |
| Employer contribution / active EE | $1,897 | $1,810+4.8% | $2,468-23.1% | $2,381-20.3% |
| Participant deferral / active EE | $4,210 | $2,968+41.9% | $3,686+14.2% | $3,470+21.4% |
| Admin fee / account holder | $15,480 | $5,417+185.8% | $6,521+137.4% | $4,887+216.7% |