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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 | $35,402 | $45,872-22.8% | $77,100-54.1% | $68,490-48.3% |
| Participation rate | 53.1% | 55.9%-2.8pp | 67.9%-14.8pp | 67.9%-14.8pp |
| Annual return | -16.06% | 1.73%-17.8pp | 42.35%-58.4pp | -7.85%-8.2pp |
| Employer contribution / active EE | $1,101 | $1,650-33.3% | $2,815-60.9% | $2,597-57.6% |
| Participant deferral / active EE | $2,733 | $2,963-7.7% | $4,430-38.3% | $4,028-32.1% |
| Admin fee / account holder | $657 | $3,041-78.4% | $5,443-87.9% | $5,403-87.8% |