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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 | $54,867 | $62,583-12.3% | $76,767-28.5% | $64,173-14.5% |
| Participation rate | 63.0% | 72.8%-9.8pp | 77.0%-14.0pp | 69.6%-6.6pp |
| Annual return | -6.37% | -1.95%-4.4pp | 2.43%-8.8pp | 7.63%-14.0pp |
| Employer contribution / active EE | $772 | $1,832-57.9% | $2,485-68.9% | $2,381-67.6% |
| Participant deferral / active EE | $2,064 | $3,145-34.4% | $3,852-46.4% | $3,470-40.5% |
| Admin fee / account holder | $801 | $4,667-82.8% | $6,675-88.0% | $4,887-83.6% |