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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 | $22,546 | $45,872-50.9% | $77,100-70.8% | $68,490-67.1% |
| Participation rate | 62.3% | 55.9%+6.3pp | 67.9%-5.7pp | 67.9%-5.6pp |
| Annual return | -18.63% | 1.73%-20.4pp | 42.35%-61.0pp | -7.85%-10.8pp |
| Employer contribution / active EE | $2,874 | $1,650+74.2% | $2,815+2.1% | $2,597+10.7% |
| Participant deferral / active EE | $4,313 | $2,963+45.6% | $4,430-2.6% | $4,028+7.1% |
| Admin fee / account holder | $1,034 | $3,041-66.0% | $5,443-81.0% | $5,403-80.9% |