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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 | $32,419 | $71,878-54.9% | $86,698-62.6% | $68,486-52.7% |
| Participation rate | 67.7% | 72.2%-4.6pp | 76.6%-8.9pp | 67.9%-0.2pp |
| Annual return | -12.84% | 3.53%-16.4pp | 35.95%-48.8pp | -7.85%-5.0pp |
| Employer contribution / active EE | $705 | $2,173-67.6% | $2,837-75.2% | $2,597-72.9% |
| Participant deferral / active EE | $2,237 | $3,779-40.8% | $4,656-52.0% | $4,028-44.5% |
| Admin fee / account holder | $5,591 | $6,113-8.5% | $7,493-25.4% | $5,404+3.5% |