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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 | $30,944 | $71,873-56.9% | $86,698-64.3% | $68,490-54.8% |
| Participation rate | 68.5% | 72.2%-3.7pp | 76.6%-8.1pp | 67.9%+0.6pp |
| Annual return | -16.80% | 3.54%-20.3pp | 35.96%-52.8pp | -7.85%-8.9pp |
| Employer contribution / active EE | $694 | $2,173-68.0% | $2,837-75.5% | $2,597-73.3% |
| Participant deferral / active EE | $2,645 | $3,779-30.0% | $4,656-43.2% | $4,028-34.3% |
| Admin fee / account holder | $1,020 | $6,110-83.3% | $7,492-86.4% | $5,403-81.1% |