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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 | $57,807 | $62,583-7.6% | $76,767-24.7% | $64,173-9.9% |
| Participation rate | 64.2% | 72.8%-8.6pp | 77.0%-12.8pp | 69.6%-5.4pp |
| Annual return | -6.94% | -1.95%-5.0pp | 2.43%-9.4pp | 7.63%-14.6pp |
| Employer contribution / active EE | $595 | $1,832-67.5% | $2,485-76.1% | $2,381-75.0% |
| Participant deferral / active EE | $2,380 | $3,145-24.3% | $3,852-38.2% | $3,470-31.4% |
| Admin fee / account holder | $4,456 | $4,667-4.5% | $6,675-33.2% | $4,887-8.8% |