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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 | $38,152 | $46,697-18.3% | $117,533-67.5% | $68,486-44.3% |
| Participation rate | 55.6% | 56.8%-1.2pp | 70.6%-15.0pp | 67.9%-12.3pp |
| Annual return | -13.97% | -14.52%+0.5pp | 29.77%-43.7pp | -7.85%-6.1pp |
| Employer contribution / active EE | $1,235 | $1,506-18.0% | $4,179-70.5% | $2,597-52.4% |
| Participant deferral / active EE | $2,308 | $2,637-12.5% | $4,072-43.3% | $4,028-42.7% |
| Admin fee / account holder | $353 | $4,023-91.2% | $5,647-93.7% | $5,404-93.5% |