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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 | $53,773 | $52,836+1.8% | $105,736-49.1% | $64,173-16.2% |
| Participation rate | 34.5% | 66.5%-32.1pp | 76.3%-41.9pp | 69.6%-35.1pp |
| Annual return | -6.32% | 14.30%-20.6pp | 6.27%-12.6pp | 7.63%-14.0pp |
| Employer contribution / active EE | $798 | $1,827-56.3% | $3,268-75.6% | $2,381-66.5% |
| Participant deferral / active EE | $1,192 | $2,545-53.2% | $4,080-70.8% | $3,470-65.6% |
| Admin fee / account holder | $848 | $3,959-78.6% | $6,913-87.7% | $4,887-82.7% |