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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 | $28,802 | $46,697-38.3% | $117,529-75.5% | $68,490-57.9% |
| Participation rate | 55.0% | 56.8%-1.8pp | 70.6%-15.6pp | 67.9%-12.9pp |
| Annual return | -16.57% | -14.52%-2.1pp | 29.77%-46.3pp | -7.85%-8.7pp |
| Employer contribution / active EE | $887 | $1,506-41.1% | $4,179-78.8% | $2,597-65.8% |
| Participant deferral / active EE | $1,274 | $2,637-51.7% | $4,072-68.7% | $4,028-68.4% |
| Admin fee / account holder | $3,081 | $4,023-23.4% | $5,645-45.4% | $5,403-43.0% |