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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 | $23,113 | $50,958-54.6% | $74,552-69.0% | $64,186-64.0% |
| Participation rate | 66.7% | 61.1%+5.6pp | 69.1%-2.5pp | 69.6%-2.9pp |
| Annual return | -4.31% | -1.86%-2.5pp | 32.53%-36.8pp | 7.63%-11.9pp |
| Employer contribution / active EE | $890 | $1,115-20.2% | $1,961-54.6% | $2,381-62.6% |
| Participant deferral / active EE | $1,636 | $2,301-28.9% | $3,108-47.4% | $3,470-52.8% |
| Admin fee / account holder | $1,124 | $4,223-73.4% | $5,060-77.8% | $4,888-77.0% |