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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 | $61,021 | $62,583-2.5% | $76,767-20.5% | $64,173-4.9% |
| Participation rate | 68.8% | 72.8%-4.1pp | 77.0%-8.2pp | 69.6%-0.8pp |
| Annual return | -7.02% | -1.95%-5.1pp | 2.43%-9.4pp | 7.63%-14.7pp |
| Employer contribution / active EE | $2,937 | $1,832+60.3% | $2,485+18.2% | $2,381+23.4% |
| Participant deferral / active EE | $6,317 | $3,145+100.9% | $3,852+64.0% | $3,470+82.1% |
| Admin fee / account holder | $6,416 | $4,667+37.5% | $6,675-3.9% | $4,887+31.3% |