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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 | $22,133 | $42,383-47.8% | $76,518-71.1% | $64,173-65.5% |
| Participation rate | 65.8% | 58.1%+7.6pp | 68.0%-2.2pp | 69.6%-3.8pp |
| Annual return | -0.11% | -16.54%+16.4pp | -0.27%+0.2pp | 7.63%-7.7pp |
| Employer contribution / active EE | $737 | $1,563-52.8% | $2,647-72.1% | $2,381-69.0% |
| Participant deferral / active EE | $1,621 | $2,566-36.8% | $3,836-57.7% | $3,470-53.3% |
| Admin fee / account holder | $1,980 | $3,198-38.1% | $4,849-59.2% | $4,887-59.5% |