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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 | $30,549 | $45,872-33.4% | $77,081-60.4% | $68,495-55.4% |
| Participation rate | 65.6% | 55.9%+9.7pp | 67.9%-2.3pp | 67.9%-2.3pp |
| Annual return | -15.87% | 1.73%-17.6pp | 42.33%-58.2pp | -7.84%-8.0pp |
| Employer contribution / active EE | $1,249 | $1,650-24.3% | $2,813-55.6% | $2,596-51.9% |
| Participant deferral / active EE | $1,914 | $2,963-35.4% | $4,428-56.8% | $4,028-52.5% |
| Admin fee / account holder | $681 | $3,041-77.6% | $5,427-87.5% | $5,403-87.4% |