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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 | $33,630 | $59,819-43.8% | $79,583-57.7% | $68,490-50.9% |
| Participation rate | 64.4% | 61.1%+3.3pp | 69.5%-5.1pp | 67.9%-3.5pp |
| Annual return | -18.92% | -12.30%-6.6pp | 0.16%-19.1pp | -7.85%-11.1pp |
| Employer contribution / active EE | $769 | $1,505-48.9% | $2,414-68.2% | $2,597-70.4% |
| Participant deferral / active EE | $3,325 | $3,025+9.9% | $3,986-16.6% | $4,028-17.4% |
| Admin fee / account holder | $1,605 | $4,835-66.8% | $6,835-76.5% | $5,403-70.3% |