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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 | $40,398 | $48,235-16.2% | $68,803-41.3% | $68,490-41.0% |
| Participation rate | 68.3% | 60.7%+7.6pp | 69.0%-0.7pp | 67.9%+0.4pp |
| Annual return | -16.77% | -12.70%-4.1pp | -6.37%-10.4pp | -7.85%-8.9pp |
| Employer contribution / active EE | $1,204 | $1,829-34.2% | $2,656-54.7% | $2,597-53.6% |
| Participant deferral / active EE | $3,621 | $2,867+26.3% | $3,942-8.1% | $4,028-10.1% |
| Admin fee / account holder | $954 | $4,361-78.1% | $4,936-80.7% | $5,403-82.3% |