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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 | $61,382 | $61,660-0.4% | $80,022-23.3% | $64,181-4.4% |
| Participation rate | 53.3% | 71.7%-18.4pp | 75.8%-22.5pp | 69.6%-16.2pp |
| Annual return | -3.07% | -0.33%-2.7pp | 11.22%-14.3pp | 7.63%-10.7pp |
| Employer contribution / active EE | $476 | $1,810-73.7% | $2,468-80.7% | $2,381-80.0% |
| Participant deferral / active EE | $3,611 | $2,968+21.7% | $3,686-2.0% | $3,470+4.1% |
| Admin fee / account holder | $8,259 | $5,417+52.5% | $6,521+26.7% | $4,887+69.0% |