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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 | $37,261 | $42,383-12.1% | $76,518-51.3% | $64,173-41.9% |
| Participation rate | 61.5% | 58.1%+3.4pp | 68.0%-6.5pp | 69.6%-8.0pp |
| Annual return | -8.58% | -16.54%+8.0pp | -0.27%-8.3pp | 7.63%-16.2pp |
| Employer contribution / active EE | $608 | $1,563-61.1% | $2,647-77.0% | $2,381-74.5% |
| Participant deferral / active EE | $2,080 | $2,566-19.0% | $3,836-45.8% | $3,470-40.1% |
| Admin fee / account holder | $3,094 | $3,198-3.2% | $4,849-36.2% | $4,887-36.7% |