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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 | $20,529 | $59,819-65.7% | $79,583-74.2% | $68,490-70.0% |
| Participation rate | 68.5% | 61.1%+7.4pp | 69.5%-1.0pp | 67.9%+0.6pp |
| Annual return | -18.43% | -12.30%-6.1pp | 0.16%-18.6pp | -7.85%-10.6pp |
| Employer contribution / active EE | $1,639 | $1,505+8.9% | $2,414-32.1% | $2,597-36.9% |
| Participant deferral / active EE | $2,482 | $3,025-17.9% | $3,986-37.7% | $4,028-38.4% |
| Admin fee / account holder | $571 | $4,835-88.2% | $6,835-91.6% | $5,403-89.4% |