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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 | $36,556 | $32,117+13.8% | $71,086-48.6% | $64,181-43.0% |
| Participation rate | 57.1% | 42.7%+14.4pp | 54.7%+2.5pp | 69.6%-12.4pp |
| Annual return | -7.91% | -5.57%-2.3pp | 650.59%-658.5pp | 7.63%-15.5pp |
| Employer contribution / active EE | $592 | $712-16.9% | $1,088-45.6% | $2,381-75.1% |
| Participant deferral / active EE | $2,736 | $1,263+116.6% | $1,874+46.0% | $3,470-21.2% |
| Admin fee / account holder | $1,584 | $2,759-42.6% | $3,082-48.6% | $4,887-67.6% |