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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 | $26,479 | $81,870-67.7% | $119,634-77.9% | $68,490-61.3% |
| Participation rate | 58.7% | 71.9%-13.2pp | 79.3%-20.6pp | 67.9%-9.2pp |
| Annual return | -18.84% | -23.82%+5.0pp | -14.98%-3.9pp | -7.85%-11.0pp |
| Employer contribution / active EE | $2,288 | $2,692-15.0% | $4,232-45.9% | $2,597-11.9% |
| Participant deferral / active EE | $4,245 | $4,148+2.3% | $5,601-24.2% | $4,028+5.4% |
| Admin fee / account holder | $2,382 | $6,583-63.8% | $10,329-76.9% | $5,403-55.9% |