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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 | $34,916 | $64,719-46.1% | $112,249-68.9% | $68,486-49.0% |
| Participation rate | 69.1% | 67.2%+2.0pp | 75.1%-5.9pp | 67.9%+1.2pp |
| Annual return | -16.02% | -11.40%-4.6pp | 27.48%-43.5pp | -7.85%-8.2pp |
| Employer contribution / active EE | $2,424 | $2,747-11.8% | $3,636-33.3% | $2,597-6.7% |
| Participant deferral / active EE | $5,124 | $3,565+43.7% | $4,729+8.4% | $4,028+27.2% |
| Admin fee / account holder | $4,011 | $5,232-23.3% | $6,412-37.4% | $5,404-25.8% |