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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 | $57,739 | $62,583-7.7% | $76,767-24.8% | $64,173-10.0% |
| Participation rate | 55.2% | 72.8%-17.6pp | 77.0%-21.8pp | 69.6%-14.4pp |
| Annual return | -4.14% | -1.95%-2.2pp | 2.43%-6.6pp | 7.63%-11.8pp |
| Employer contribution / active EE | $1,653 | $1,832-9.8% | $2,485-33.5% | $2,381-30.6% |
| Participant deferral / active EE | $2,872 | $3,145-8.7% | $3,852-25.4% | $3,470-17.2% |
| Admin fee / account holder | $650 | $4,667-86.1% | $6,675-90.3% | $4,887-86.7% |