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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 | $23,587 | $46,697-49.5% | $117,533-79.9% | $68,486-65.6% |
| Participation rate | 61.5% | 56.8%+4.8pp | 70.6%-9.1pp | 67.9%-6.4pp |
| Annual return | -12.62% | -14.52%+1.9pp | 29.77%-42.4pp | -7.85%-4.8pp |
| Employer contribution / active EE | $336 | $1,506-77.7% | $4,179-92.0% | $2,597-87.1% |
| Participant deferral / active EE | $1,199 | $2,637-54.5% | $4,072-70.5% | $4,028-70.2% |
| Admin fee / account holder | $4,707 | $4,023+17.0% | $5,647-16.6% | $5,404-12.9% |