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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 | $36,502 | $54,239-32.7% | $70,098-47.9% | $68,495-46.7% |
| Participation rate | 66.0% | 64.5%+1.5pp | 70.5%-4.5pp | 67.9%-1.9pp |
| Annual return | -15.42% | -13.87%-1.6pp | 190.76%-206.2pp | -7.84%-7.6pp |
| Employer contribution / active EE | $1,510 | $2,019-25.2% | $2,560-41.0% | $2,596-41.9% |
| Participant deferral / active EE | $2,046 | $2,957-30.8% | $3,849-46.8% | $4,028-49.2% |
| Admin fee / account holder | $4,232 | $4,691-9.8% | $6,266-32.5% | $5,403-21.7% |